Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.54% | -0.10 | 1.65% |
| Return on Equity (%) | ▼ | 28.45% | -15.90 | 44.35% |
| Net Interest Margin (%) | ▼ | 3.66% | -0.13 | 3.79% |
| Efficiency Ratio (%) | ▲ | 58.10% | -1.40 | 59.50% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.03 | $0 |
| Cost of Funds (%) | ▲ | 1.51% | -0.02 | 1.53% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $120 | +8.91 | $111 |
| Gross Loans ($M) | ▼ | $52 | -2.29 | $54 |
| Loan Growth YoY (%) | ▼ | 45.48% | -5.11 | 50.59% |
| Total Deposits ($M) | ▲ | $113 | +6.87 | $106 |
| Shareholders Equity ($M) | ▲ | $7 | +2.02 | $5 |
| Tang. Book Value ($M) | ▲ | $7 | +2.02 | $5 |
| TBV excl. AOCI ($M)** | ▲ | $10 | +2.59 | $7 |
| Loan / Deposit Ratio (%) | ▼ | 45.48% | -5.11 | 50.59% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.20% | -0.42 | 0.62% |
| Allowance / Loans (%) | — | 0.55% | 0.03% | 0.52% |
| Net Charge-Off Ratio (%) | ▲ | 0.47% | -0.81 | 1.28% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 17.21% | +1.17 | 16.04% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▇███▆▅ | Net Interest Margin (%) | 3.41% | 3.49% | 3.74% | 3.79% | 3.82% | 3.82% | 3.68% | 3.66% |
| ▁▃▇█▇▆▄▇ | Return on Assets (%) | 1.23% | 1.35% | 1.58% | 1.65% | 1.58% | 1.51% | 1.38% | 1.54% |
| █▆▅▃▄▇▅▁ | Efficiency Ratio (%) | 63.5% | 61.8% | 60.8% | 59.5% | 60.7% | 62.2% | 61.2% | 58.1% |
| █▃▃▅▄▂▁▄ | Cost of Funds (%) | 1.67% | 1.44% | 1.46% | 1.53% | 1.50% | 1.41% | 1.35% | 1.51% |
| ▅▂▁▆██▁▁ | NPA / Assets (%) | 0.54% | 0.32% | 0.18% | 0.62% | 0.85% | 0.88% | 0.22% | 0.20% |
| ▄▂▁▅██▁▁ | Net Charge-Off Ratio (%) | 1.05% | 0.62% | 0.37% | 1.28% | 1.74% | 1.88% | 0.51% | 0.47% |
| ▄▁▂▃▆█▇█ | Tang. Book Value ($M) | $5 | $4 | $4 | $5 | $6 | $6 | $6 | $7 |
| ▁█▄▅▆▂▁▁ | Gross Loans ($M) | $52 | $55 | $53 | $54 | $54 | $53 | $52 | $52 |
| ▁▅▅▅▄▅██ | Total Deposits ($M) | $96 | $105 | $107 | $106 | $104 | $106 | $114 | $113 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 11% |
| Agricultural | 16% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 10% |