Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.19% | -0.06 | 2.26% |
| Return on Equity (%) | ▼ | 19.22% | -4.55 | 23.77% |
| Net Interest Margin (%) | ▼ | 4.81% | -0.01 | 4.82% |
| Efficiency Ratio (%) | ▼ | 56.80% | +1.30 | 55.50% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.01 | $1 |
| Cost of Funds (%) | ▲ | 0.32% | -0.00 | 0.33% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $134 | -10.65 | $145 |
| Gross Loans ($M) | ▲ | $57 | +6.86 | $51 |
| Loan Growth YoY (%) | ▲ | 46.89% | +9.67 | 37.22% |
| Total Deposits ($M) | ▼ | $118 | -12.82 | $131 |
| Shareholders Equity ($M) | ▲ | $16 | +2.19 | $14 |
| Tang. Book Value ($M) | ▲ | $16 | +2.19 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +2.16 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 46.89% | +9.67 | 37.22% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.29% | -0.33 | 0.62% |
| Allowance / Loans (%) | — | 3.82% | -0.07% | 3.89% |
| Net Charge-Off Ratio (%) | ▲ | 0.68% | -1.09 | 1.77% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 30.59% | -0.47 | 31.06% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▆██▅▅▁█ | Net Interest Margin (%) | 4.77% | 4.77% | 4.81% | 4.82% | 4.76% | 4.76% | 4.67% | 4.81% |
| ▁▂█▇▆▆▂▅ | Return on Assets (%) | 2.05% | 2.08% | 2.30% | 2.26% | 2.22% | 2.24% | 2.09% | 2.19% |
| ██▁▂▂▂▅▄ | Efficiency Ratio (%) | 60.1% | 59.5% | 54.6% | 55.5% | 55.6% | 55.3% | 57.7% | 56.8% |
| █▄▅▁▄▃▁▁ | Cost of Funds (%) | 0.38% | 0.35% | 0.35% | 0.33% | 0.35% | 0.34% | 0.33% | 0.32% |
| ▁▁▁█▆▇▄▃ | NPA / Assets (%) | 0.17% | 0.13% | 0.15% | 0.62% | 0.45% | 0.51% | 0.33% | 0.29% |
| ▁▁▁█▆▆▃▂ | Net Charge-Off Ratio (%) | 0.39% | 0.35% | 0.41% | 1.77% | 1.31% | 1.36% | 0.83% | 0.68% |
| ▃▁▁▃▆█▆█ | Tang. Book Value ($M) | $13 | $12 | $13 | $14 | $15 | $16 | $15 | $16 |
| ▅▃▁▃▃▆▆█ | Gross Loans ($M) | $53 | $50 | $47 | $51 | $50 | $54 | $55 | $57 |
| ▁▅▅██▇▆▄ | Total Deposits ($M) | $106 | $121 | $119 | $131 | $129 | $127 | $122 | $118 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 9% |
| Agricultural | 10% |
| Consumer | 10% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 53% |
| Interest-Bearing (core) | 47% |
| Brokered / Other | 1% |