Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.73% | +0.78 | 0.95% |
| Return on Equity (%) | ▲ | 18.12% | +7.06 | 11.06% |
| Net Interest Margin (%) | ▲ | 3.33% | +0.64 | 2.69% |
| Efficiency Ratio (%) | ▲ | 50.90% | -10.37 | 61.27% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.53 | $1 |
| Cost of Funds (%) | ▲ | 1.84% | -0.41 | 2.25% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $419 | -33.95 | $453 |
| Gross Loans ($M) | ▼ | $328 | -36.83 | $365 |
| Loan Growth YoY (%) | ▼ | 93.95% | -3.84 | 97.78% |
| Total Deposits ($M) | ▼ | $344 | -23.59 | $368 |
| Shareholders Equity ($M) | ▲ | $41 | +1.53 | $40 |
| Tang. Book Value ($M) | ▲ | $36 | +1.61 | $35 |
| TBV excl. AOCI ($M)** | ▲ | $39 | +1.44 | $38 |
| Loan / Deposit Ratio (%) | ▼ | 93.95% | -3.84 | 97.78% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.01% | -0.28 | 0.29% |
| Allowance / Loans (%) | — | 1.34% | -0.02% | 1.35% |
| Net Charge-Off Ratio (%) | ▲ | 0.02% | -0.35 | 0.36% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.42% | +1.68 | 12.75% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▄▅▇█ | Net Interest Margin (%) | 2.22% | 2.28% | 2.54% | 2.69% | 2.75% | 2.84% | 3.16% | 3.33% |
| ▁▁▂▃▃▄▆█ | Return on Assets (%) | 0.64% | 0.69% | 0.83% | 0.95% | 0.97% | 1.08% | 1.38% | 1.73% |
| ██▆▅▅▄▁▁ | Efficiency Ratio (%) | 69.2% | 68.0% | 63.5% | 61.3% | 61.0% | 58.9% | 52.4% | 50.9% |
| ██▅▄▅▃▂▁ | Cost of Funds (%) | 2.78% | 2.79% | 2.42% | 2.25% | 2.33% | 2.19% | 1.97% | 1.84% |
| ▅▄█▅▁▁▁▁ | NPA / Assets (%) | 0.25% | 0.24% | 0.50% | 0.29% | 0.05% | 0.00% | 0.01% | 0.01% |
| ▇▁██▁▁▁▁ | Net Charge-Off Ratio (%) | 0.31% | 0.04% | 0.37% | 0.36% | 0.02% | 0.00% | 0.02% | 0.02% |
| ▅▁▄▄█▇█▇ | Tang. Book Value ($M) | $35 | $33 | $34 | $35 | $37 | $36 | $37 | $36 |
| █▇▆▆▅▅▂▁ | Gross Loans ($M) | $380 | $369 | $367 | $365 | $357 | $355 | $336 | $328 |
| ▇▇█▅▂▁▃▁ | Total Deposits ($M) | $381 | $377 | $387 | $368 | $354 | $344 | $359 | $344 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 13% |
| Agricultural | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 12% |