Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.43% | +0.39 | 1.03% |
| Return on Equity (%) | ▲ | 14.48% | +3.71 | 10.77% |
| Net Interest Margin (%) | ▲ | 4.67% | +0.15 | 4.52% |
| Efficiency Ratio (%) | ▲ | 66.51% | -4.60 | 71.11% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.12 | $1 |
| Cost of Funds (%) | ▲ | 1.51% | -0.05 | 1.56% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $160 | +12.16 | $148 |
| Gross Loans ($M) | ▲ | $110 | +9.20 | $101 |
| Loan Growth YoY (%) | ▼ | 75.75% | -1.48 | 77.23% |
| Total Deposits ($M) | ▲ | $144 | +14.70 | $129 |
| Shareholders Equity ($M) | ▲ | $16 | +1.44 | $14 |
| Tang. Book Value ($M) | ▲ | $16 | +1.44 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +1.58 | $15 |
| Loan / Deposit Ratio (%) | ▼ | 75.75% | -1.48 | 77.23% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.26% | -0.10 | 0.36% |
| Allowance / Loans (%) | — | 0.98% | -0.11% | 1.08% |
| Net Charge-Off Ratio (%) | ▲ | 0.38% | -0.15 | 0.52% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▄▁▄▇█▆█ | Net Interest Margin (%) | 4.50% | 4.53% | 4.41% | 4.52% | 4.63% | 4.67% | 4.59% | 4.67% |
| ▆▇▁▄▅▅██ | Return on Assets (%) | 1.23% | 1.31% | 0.66% | 1.03% | 1.14% | 1.10% | 1.39% | 1.43% |
| ▃▄█▅▅▇▂▁ | Efficiency Ratio (%) | 69.4% | 70.0% | 75.2% | 71.1% | 71.1% | 73.4% | 67.9% | 66.5% |
| ▂█▄▄▃▃▁▁ | Cost of Funds (%) | 1.53% | 1.66% | 1.56% | 1.56% | 1.54% | 1.54% | 1.49% | 1.51% |
| ▇▂▂█▅▁█▄ | NPA / Assets (%) | 0.33% | 0.20% | 0.22% | 0.36% | 0.29% | 0.18% | 0.33% | 0.26% |
| █▁▅█▇▄█▆ | Net Charge-Off Ratio (%) | 0.48% | 0.09% | 0.33% | 0.52% | 0.42% | 0.26% | 0.51% | 0.38% |
| ▁▁▂▃▆▇██ | Tang. Book Value ($M) | $14 | $13 | $14 | $14 | $15 | $15 | $15 | $16 |
| ▁▁▁▃▄▆▅█ | Gross Loans ($M) | $96 | $97 | $96 | $101 | $102 | $105 | $104 | $110 |
| ▁▁▃▃▃▄▆█ | Total Deposits ($M) | $123 | $121 | $127 | $129 | $129 | $133 | $138 | $144 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 59% |
| C&I / Commercial | 24% |
| Agricultural | 7% |
| Consumer | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 8% |