Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.70% | +0.06 | 1.64% |
| Return on Equity (%) | ▼ | 21.78% | -0.42 | 22.20% |
| Net Interest Margin (%) | ▲ | 3.77% | +0.10 | 3.68% |
| Efficiency Ratio (%) | ▲ | 44.58% | -4.85 | 49.43% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.31 | $1 |
| Cost of Funds (%) | ▼ | 2.68% | +0.02 | 2.66% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $260 | +41.12 | $219 |
| Gross Loans ($M) | ▲ | $215 | +38.26 | $176 |
| Loan Growth YoY (%) | ▲ | 93.24% | +4.07 | 89.17% |
| Total Deposits ($M) | ▲ | $227 | +32.00 | $195 |
| Shareholders Equity ($M) | ▲ | $20 | +3.04 | $17 |
| Tang. Book Value ($M) | ▲ | $20 | +3.04 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +2.95 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 93.24% | +4.07 | 89.17% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.05% | -0.10 | 0.15% |
| Allowance / Loans (%) | — | 1.18% | 0.01% | 1.16% |
| Net Charge-Off Ratio (%) | ▲ | 0.07% | -0.12 | 0.19% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 9.97% | -0.41 | 10.39% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆▇█▇▇ | Net Interest Margin (%) | 3.39% | 3.44% | 3.62% | 3.68% | 3.78% | 3.84% | 3.77% | 3.77% |
| ▁▁▄▆██▇▇ | Return on Assets (%) | 1.31% | 1.32% | 1.52% | 1.64% | 1.73% | 1.79% | 1.71% | 1.70% |
| ██▅▄▃▂▁▁ | Efficiency Ratio (%) | 56.7% | 56.0% | 50.9% | 49.4% | 48.1% | 46.8% | 45.7% | 44.6% |
| ▃▆█▄▅▁▄▅ | Cost of Funds (%) | 2.62% | 2.71% | 2.78% | 2.66% | 2.68% | 2.56% | 2.65% | 2.68% |
| █▅█▄▆▆▁▁ | NPA / Assets (%) | 0.28% | 0.16% | 0.30% | 0.15% | 0.22% | 0.21% | 0.03% | 0.05% |
| █▄█▄▆▅▁▁ | Net Charge-Off Ratio (%) | 0.35% | 0.20% | 0.37% | 0.19% | 0.27% | 0.24% | 0.03% | 0.07% |
| ▂▁▂▃▄▃█▆ | Tang. Book Value ($M) | $16 | $15 | $16 | $17 | $18 | $17 | $22 | $20 |
| ▁▂▂▃▅▇▇█ | Gross Loans ($M) | $156 | $166 | $167 | $176 | $186 | $202 | $205 | $215 |
| ▁▁▃▄▄▅▇█ | Total Deposits ($M) | $174 | $177 | $187 | $195 | $200 | $207 | $220 | $227 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 71% |
| C&I / Commercial | 10% |
| Agricultural | 15% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 80% |
| Brokered / Other | 8% |