Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.89% | -0.01 | 0.90% |
| Return on Equity (%) | ▼ | 10.87% | -2.29 | 13.16% |
| Net Interest Margin (%) | ▲ | 4.15% | +0.10 | 4.05% |
| Efficiency Ratio (%) | ▲ | 71.42% | -1.25 | 72.67% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.05 | $1 |
| Cost of Funds (%) | ▲ | 1.77% | -0.20 | 1.96% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $163 | +2.00 | $161 |
| Gross Loans ($M) | ▲ | $98 | +5.53 | $93 |
| Loan Growth YoY (%) | ▲ | 66.14% | +3.73 | 62.41% |
| Total Deposits ($M) | ▼ | $146 | -0.09 | $147 |
| Shareholders Equity ($M) | ▲ | $14 | +2.12 | $12 |
| Tang. Book Value ($M) | ▲ | $14 | +2.12 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +2.17 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 66.14% | +3.73 | 62.41% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.10% | +0.51 | 0.59% |
| Allowance / Loans (%) | — | 1.37% | 0.06% | 1.32% |
| Net Charge-Off Ratio (%) | ▼ | 1.20% | +0.59 | 0.61% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.55% | +0.48 | 13.07% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▆▇███ | Net Interest Margin (%) | 3.74% | 3.76% | 3.76% | 4.05% | 4.06% | 4.16% | 4.11% | 4.15% |
| ▁▂▃▆▆▆█▆ | Return on Assets (%) | 0.68% | 0.74% | 0.77% | 0.90% | 0.90% | 0.90% | 0.98% | 0.89% |
| █▇▆▄▅▄▁▃ | Efficiency Ratio (%) | 76.4% | 75.4% | 74.2% | 72.7% | 73.0% | 72.1% | 69.4% | 71.4% |
| █▅▄▃▄▁▁▁ | Cost of Funds (%) | 2.34% | 2.09% | 2.02% | 1.96% | 2.00% | 1.78% | 1.77% | 1.77% |
| ▂▁▄▃█▅▇█ | NPA / Assets (%) | 0.45% | 0.35% | 0.63% | 0.59% | 1.02% | 0.81% | 0.95% | 1.10% |
| ▂▁▁▁█▅▅▇ | Net Charge-Off Ratio (%) | 0.73% | 0.64% | 0.62% | 0.61% | 1.33% | 1.03% | 0.97% | 1.20% |
| ▂▁▂▃▅▇▇█ | Tang. Book Value ($M) | $11 | $10 | $11 | $11 | $12 | $13 | $13 | $14 |
| ▁▁▂▂▅▅▆█ | Gross Loans ($M) | $92 | $91 | $93 | $93 | $95 | $95 | $96 | $98 |
| ▁▇▆▇▆█▇▇ | Total Deposits ($M) | $130 | $147 | $145 | $147 | $144 | $151 | $146 | $146 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 11% |
| Agricultural | 5% |
| Consumer | 9% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 14% |