Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.05% | -0.29 | 2.35% |
| Return on Equity (%) | ▼ | 23.21% | -5.50 | 28.71% |
| Net Interest Margin (%) | ▲ | 5.19% | +0.10 | 5.09% |
| Efficiency Ratio (%) | ▼ | 60.22% | +5.72 | 54.50% |
| Pre-Provision Profit ($M) | ▼ | $2 | -0.02 | $2 |
| Cost of Funds (%) | ▼ | 1.16% | +0.04 | 1.12% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $295 | +8.69 | $286 |
| Gross Loans ($M) | ▲ | $177 | +15.68 | $161 |
| Loan Growth YoY (%) | ▲ | 65.52% | +4.75 | 60.77% |
| Total Deposits ($M) | ▲ | $267 | +4.57 | $263 |
| Shareholders Equity ($M) | ▲ | $26 | +4.92 | $21 |
| Tang. Book Value ($M) | ▲ | $24 | +5.17 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +5.59 | $22 |
| Loan / Deposit Ratio (%) | ▲ | 65.52% | +4.75 | 60.77% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.03% | -0.20 | 0.23% |
| Allowance / Loans (%) | — | 0.98% | 0.03% | 0.95% |
| Net Charge-Off Ratio (%) | ▲ | 0.05% | -0.36 | 0.41% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.90% | +1.28 | 11.62% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂█▃▄▅▁▅ | Net Interest Margin (%) | 4.97% | 5.08% | 5.39% | 5.09% | 5.15% | 5.21% | 5.02% | 5.19% |
| ▁▁██▇▄▄▄ | Return on Assets (%) | 1.79% | 1.77% | 2.41% | 2.35% | 2.28% | 2.09% | 2.07% | 2.05% |
| ▇█▃▁▂▅▅▅ | Efficiency Ratio (%) | 62.7% | 64.0% | 57.3% | 54.5% | 56.1% | 60.1% | 59.4% | 60.2% |
| ▆▆▄▁█▄▂▁ | Cost of Funds (%) | 1.57% | 1.51% | 1.40% | 1.12% | 1.74% | 1.39% | 1.23% | 1.16% |
| ▂▂█▆▁▁▁▁ | NPA / Assets (%) | 0.09% | 0.09% | 0.31% | 0.23% | 0.06% | 0.05% | 0.03% | 0.03% |
| ▂▂█▇▁▁▁▁ | Net Charge-Off Ratio (%) | 0.12% | 0.13% | 0.47% | 0.41% | 0.09% | 0.08% | 0.05% | 0.05% |
| ▁▁▂▁▇▇██ | Tang. Book Value ($M) | $18 | $18 | $19 | $19 | $23 | $23 | $23 | $24 |
| ▁▁▁▄▇▅██ | Gross Loans ($M) | $149 | $148 | $147 | $161 | $173 | $162 | $175 | $177 |
| ▁▁▁█▇███ | Total Deposits ($M) | $192 | $192 | $200 | $263 | $255 | $262 | $264 | $267 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 8% |
| Agricultural | 7% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 36% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 8% |