Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.27% | -0.03 | 1.30% |
| Return on Equity (%) | ▼ | 11.93% | -0.93 | 12.86% |
| Net Interest Margin (%) | ▲ | 3.92% | +0.27 | 3.65% |
| Efficiency Ratio (%) | ▲ | 57.94% | -4.58 | 62.51% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.11 | $1 |
| Cost of Funds (%) | ▲ | 1.80% | -0.22 | 2.02% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $138 | +5.26 | $133 |
| Gross Loans ($M) | ▲ | $96 | +7.67 | $89 |
| Loan Growth YoY (%) | ▲ | 77.76% | +3.74 | 74.02% |
| Total Deposits ($M) | ▲ | $123 | +4.11 | $119 |
| Shareholders Equity ($M) | ▲ | $15 | +1.22 | $14 |
| Tang. Book Value ($M) | ▲ | $15 | +1.22 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +1.07 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 77.76% | +3.74 | 74.02% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.20% | -0.02 | 0.21% |
| Allowance / Loans (%) | — | 0.82% | -0.02% | 0.84% |
| Net Charge-Off Ratio (%) | ▲ | 0.28% | -0.04 | 0.32% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.86% | -0.05 | 15.91% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▆▇▇█ | Net Interest Margin (%) | 3.44% | 3.44% | 3.53% | 3.65% | 3.74% | 3.81% | 3.81% | 3.92% |
| ▂▁▅▇██▃▇ | Return on Assets (%) | 0.94% | 0.86% | 1.16% | 1.30% | 1.35% | 1.39% | 1.01% | 1.27% |
| ▇█▇▃▂▃▃▁ | Efficiency Ratio (%) | 68.0% | 70.6% | 68.2% | 62.5% | 60.1% | 61.5% | 62.3% | 57.9% |
| ▇█▄▆▂▄▁▁ | Cost of Funds (%) | 2.06% | 2.13% | 1.95% | 2.02% | 1.88% | 1.96% | 1.80% | 1.80% |
| ▁▁▁▃██▅▃ | NPA / Assets (%) | 0.00% | 0.00% | 0.01% | 0.21% | 0.75% | 0.76% | 0.46% | 0.20% |
| ▁▁▁▃██▅▃ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.01% | 0.32% | 1.08% | 1.11% | 0.68% | 0.28% |
| ▁▁▂▄▅▇▇█ | Tang. Book Value ($M) | $13 | $13 | $13 | $14 | $14 | $15 | $15 | $15 |
| ▁▁▁▅▇▇██ | Gross Loans ($M) | $80 | $81 | $81 | $89 | $93 | $94 | $94 | $96 |
| ▁▃▆▅▂▇██ | Total Deposits ($M) | $110 | $115 | $121 | $119 | $113 | $122 | $124 | $123 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 71% |
| C&I / Commercial | 5% |
| Agricultural | 16% |
| Consumer | 4% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 9% |