Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.20% | +0.30 | 0.90% |
| Return on Equity (%) | ▲ | 14.16% | +1.93 | 12.23% |
| Net Interest Margin (%) | ▲ | 3.46% | +0.30 | 3.16% |
| Efficiency Ratio (%) | ▲ | 61.19% | -4.95 | 66.14% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.13 | $0 |
| Cost of Funds (%) | ▲ | 1.38% | -0.34 | 1.72% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $147 | +5.65 | $141 |
| Gross Loans ($M) | ▲ | $92 | +1.01 | $91 |
| Loan Growth YoY (%) | ▼ | 68.77% | -1.66 | 70.42% |
| Total Deposits ($M) | ▲ | $133 | +4.55 | $128 |
| Shareholders Equity ($M) | ▲ | $13 | +1.53 | $11 |
| Tang. Book Value ($M) | ▲ | $13 | +1.53 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +1.71 | $13 |
| Loan / Deposit Ratio (%) | ▼ | 68.77% | -1.66 | 70.42% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.44% | -0.01 | 0.46% |
| Allowance / Loans (%) | — | 0.74% | -0.00% | 0.74% |
| Net Charge-Off Ratio (%) | ▲ | 0.71% | -0.00 | 0.71% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -15.56 | 15.56% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆▆▆██ | Net Interest Margin (%) | 2.63% | 2.71% | 3.11% | 3.16% | 3.17% | 3.19% | 3.42% | 3.46% |
| ▁▁▄▄▄▃▇█ | Return on Assets (%) | 0.65% | 0.69% | 0.89% | 0.90% | 0.88% | 0.83% | 1.06% | 1.20% |
| ██▄▄▄▆▁▁ | Efficiency Ratio (%) | 72.6% | 73.5% | 66.0% | 66.1% | 66.9% | 69.3% | 62.3% | 61.2% |
| █▆▄▄▄▂▁▁ | Cost of Funds (%) | 2.10% | 1.90% | 1.66% | 1.72% | 1.73% | 1.55% | 1.43% | 1.38% |
| ▅▅▂▂▁█▆▁ | NPA / Assets (%) | 0.49% | 0.49% | 0.46% | 0.46% | 0.43% | 0.55% | 0.52% | 0.44% |
| ▇█▄▄▁▂▁▄ | Net Charge-Off Ratio (%) | 0.76% | 0.78% | 0.71% | 0.71% | 0.66% | 0.69% | 0.66% | 0.71% |
| ▂▁▂▄▆▆██ | Tang. Book Value ($M) | $11 | $10 | $11 | $11 | $12 | $12 | $13 | $13 |
| █▆▄▂▂▃▁▄ | Gross Loans ($M) | $95 | $93 | $92 | $91 | $91 | $91 | $90 | $92 |
| ▄█▃▂▁▆▇▇ | Total Deposits ($M) | $130 | $134 | $129 | $128 | $127 | $132 | $133 | $133 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 3% |
| Agricultural | 11% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 80% |
| Brokered / Other | 4% |