Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.44% | +0.36 | 1.08% |
| Return on Equity (%) | ▲ | 14.73% | +2.32 | 12.41% |
| Net Interest Margin (%) | ▲ | 3.17% | +0.43 | 2.74% |
| Efficiency Ratio (%) | ▲ | 48.77% | -4.35 | 53.12% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.17 | $1 |
| Cost of Funds (%) | ▲ | 1.10% | -0.30 | 1.40% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $198 | +2.68 | $195 |
| Gross Loans ($M) | ▼ | $103 | -12.36 | $115 |
| Loan Growth YoY (%) | ▼ | 58.30% | -7.96 | 66.26% |
| Total Deposits ($M) | ▲ | $174 | +2.58 | $172 |
| Shareholders Equity ($M) | ▲ | $19 | +1.43 | $18 |
| Tang. Book Value ($M) | ▲ | $19 | +1.43 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $23 | +1.45 | $21 |
| Loan / Deposit Ratio (%) | ▼ | 58.30% | -7.96 | 66.26% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.68% | -0.12 | 0.80% |
| Allowance / Loans (%) | — | 1.37% | -0.02% | 1.39% |
| Net Charge-Off Ratio (%) | ▼ | 1.30% | +0.06 | 1.25% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 17.50% | +2.50 | 15.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 2.23% | 2.27% | 2.69% | 2.74% | 2.81% | 2.87% | 3.09% | 3.17% |
| ▁▁▆▆▆▇██ | Return on Assets (%) | 0.38% | 0.46% | 1.06% | 1.08% | 1.12% | 1.23% | 1.41% | 1.44% |
| ██▃▃▂▁▁▁ | Efficiency Ratio (%) | 64.8% | 63.8% | 53.9% | 53.1% | 52.5% | 50.7% | 48.9% | 48.8% |
| █▇▅▄▄▂▁▁ | Cost of Funds (%) | 1.76% | 1.67% | 1.47% | 1.40% | 1.38% | 1.23% | 1.10% | 1.10% |
| █▃▆▄▁▄▁▁ | NPA / Assets (%) | 0.96% | 0.76% | 0.86% | 0.80% | 0.71% | 0.80% | 0.69% | 0.68% |
| █▄▅▂▁▃▃▃ | Net Charge-Off Ratio (%) | 1.76% | 1.36% | 1.50% | 1.25% | 1.11% | 1.31% | 1.28% | 1.30% |
| ▂▁▃▅▆███ | Tang. Book Value ($M) | $17 | $16 | $17 | $18 | $19 | $19 | $19 | $19 |
| ▆▆██▆▅▃▁ | Gross Loans ($M) | $111 | $111 | $115 | $115 | $112 | $110 | $107 | $103 |
| █▁▄▆▅▆██ | Total Deposits ($M) | $175 | $163 | $168 | $172 | $169 | $171 | $175 | $174 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 69% |
| C&I / Commercial | 10% |
| Agricultural | 17% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 3% |