Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.22% | +0.44 | 1.78% |
| Return on Equity (%) | ▲ | 15.61% | +1.72 | 13.89% |
| Net Interest Margin (%) | ▲ | 4.72% | +0.37 | 4.35% |
| Efficiency Ratio (%) | ▲ | 49.47% | -4.43 | 53.90% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.25 | $1 |
| Cost of Funds (%) | ▲ | 1.08% | -0.01 | 1.09% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $194 | +2.50 | $191 |
| Gross Loans ($M) | ▲ | $146 | +16.47 | $130 |
| Loan Growth YoY (%) | ▲ | 89.34% | +11.00 | 78.34% |
| Total Deposits ($M) | ▼ | $161 | -1.74 | $163 |
| Shareholders Equity ($M) | ▲ | $28 | +3.33 | $25 |
| Tang. Book Value ($M) | ▲ | $25 | +3.46 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +2.85 | $23 |
| Loan / Deposit Ratio (%) | ▲ | 89.34% | +11.00 | 78.34% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.03% | -0.00 | 0.03% |
| Allowance / Loans (%) | — | 1.56% | -0.11% | 1.67% |
| Net Charge-Off Ratio (%) | ▲ | 0.04% | -0.01 | 0.05% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.15% | +0.47 | 14.68% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆▇█ | Net Interest Margin (%) | 3.90% | 3.99% | 4.27% | 4.35% | 4.43% | 4.46% | 4.56% | 4.72% |
| ▁▁▃▃▄▄██ | Return on Assets (%) | 1.52% | 1.57% | 1.75% | 1.78% | 1.82% | 1.84% | 2.17% | 2.22% |
| ██▇▇▆▇▂▁ | Efficiency Ratio (%) | 55.3% | 55.2% | 54.5% | 53.9% | 53.8% | 54.0% | 50.2% | 49.5% |
| █▇▃▃▄▄▁▂ | Cost of Funds (%) | 1.26% | 1.21% | 1.09% | 1.09% | 1.14% | 1.13% | 1.02% | 1.08% |
| ▃▇▃█▁▇█▇ | NPA / Assets (%) | 0.02% | 0.03% | 0.02% | 0.03% | 0.01% | 0.03% | 0.03% | 0.03% |
| ▃▇▄█▁▇█▇ | Net Charge-Off Ratio (%) | 0.02% | 0.04% | 0.02% | 0.05% | 0.01% | 0.04% | 0.05% | 0.04% |
| ▁▁▂▃▆▇▇█ | Tang. Book Value ($M) | $20 | $20 | $21 | $21 | $23 | $24 | $24 | $25 |
| ▂▁▁▁▃▄██ | Gross Loans ($M) | $131 | $129 | $129 | $130 | $134 | $136 | $146 | $146 |
| ▃▅▇▆▁▆█▆ | Total Deposits ($M) | $156 | $161 | $164 | $163 | $151 | $163 | $167 | $161 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 50% |
| C&I / Commercial | 14% |
| Agricultural | 30% |
| Consumer | 3% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 8% |