Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.19% | -0.29 | 1.48% |
| Return on Equity (%) | ▼ | 7.84% | -1.70 | 9.54% |
| Net Interest Margin (%) | ▲ | 4.14% | +0.09 | 4.05% |
| Efficiency Ratio (%) | ▲ | 52.13% | -2.20 | 54.33% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.17 | $1 |
| Cost of Funds (%) | ▲ | 1.84% | -0.16 | 2.00% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $202 | +8.88 | $193 |
| Gross Loans ($M) | ▲ | $99 | +5.35 | $93 |
| Loan Growth YoY (%) | ▼ | 59.93% | -0.58 | 60.51% |
| Total Deposits ($M) | ▲ | $163 | +10.39 | $152 |
| Shareholders Equity ($M) | ▲ | $31 | +0.86 | $30 |
| Tang. Book Value ($M) | ▲ | $17 | +1.83 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +2.12 | $19 |
| Loan / Deposit Ratio (%) | ▼ | 59.93% | -0.58 | 60.51% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.12% | -0.10 | 0.22% |
| Allowance / Loans (%) | — | 1.08% | -0.06% | 1.14% |
| Net Charge-Off Ratio (%) | ▲ | 0.25% | -0.20 | 0.45% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.37% | -0.15 | 12.52% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▂▂▂▃▄ | Net Interest Margin (%) | 4.36% | 4.36% | 4.01% | 4.05% | 4.06% | 4.07% | 4.13% | 4.14% |
| ▁▁█▅▄▃▃▃ | Return on Assets (%) | 0.82% | 0.89% | 1.92% | 1.48% | 1.29% | 1.21% | 1.19% | 1.19% |
| ▂▃█▆▆█▁▁ | Efficiency Ratio (%) | 52.7% | 53.1% | 55.2% | 54.3% | 54.3% | 55.0% | 51.9% | 52.1% |
| ██▇█▄▆▁▃ | Cost of Funds (%) | 2.00% | 1.98% | 1.94% | 2.00% | 1.87% | 1.92% | 1.76% | 1.84% |
| ██▆▆▃▃▁▁ | NPA / Assets (%) | 0.27% | 0.27% | 0.23% | 0.22% | 0.17% | 0.17% | 0.13% | 0.12% |
| ███▇▃▃▁▁ | Net Charge-Off Ratio (%) | 0.51% | 0.51% | 0.49% | 0.45% | 0.34% | 0.34% | 0.27% | 0.25% |
| ▂▁▂▄▆█▇█ | Tang. Book Value ($M) | $15 | $14 | $15 | $15 | $16 | $17 | $17 | $17 |
| ▁▁▂▄███▇ | Gross Loans ($M) | $88 | $89 | $90 | $93 | $101 | $100 | $100 | $99 |
| ▁▁▄▅▆█▇█ | Total Deposits ($M) | $143 | $142 | $151 | $152 | $157 | $161 | $158 | $163 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 10% |
| Agricultural | 10% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 9% |