Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.17% | +0.06 | 1.11% |
| Return on Equity (%) | ▼ | 11.55% | -0.59 | 12.14% |
| Net Interest Margin (%) | ▲ | 4.02% | +0.01 | 4.02% |
| Efficiency Ratio (%) | ▼ | 65.79% | +0.60 | 65.20% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.28 | $2 |
| Cost of Funds (%) | ▲ | 1.92% | -0.21 | 2.13% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $552 | +83.23 | $468 |
| Gross Loans ($M) | ▲ | $391 | +56.64 | $334 |
| Loan Growth YoY (%) | ▼ | 82.85% | -0.31 | 83.16% |
| Total Deposits ($M) | ▲ | $467 | +70.56 | $396 |
| Shareholders Equity ($M) | ▲ | $61 | +18.44 | $42 |
| Tang. Book Value ($M) | ▲ | $59 | +18.44 | $40 |
| TBV excl. AOCI ($M)** | ▲ | $64 | +20.52 | $43 |
| Loan / Deposit Ratio (%) | ▼ | 82.85% | -0.31 | 83.16% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.40% | -0.29 | 0.68% |
| Allowance / Loans (%) | — | 0.96% | -0.33% | 1.29% |
| Net Charge-Off Ratio (%) | ▲ | 0.43% | -0.50 | 0.93% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▇██▇▇ | Net Interest Margin (%) | 3.87% | 3.92% | 3.96% | 4.02% | 4.05% | 4.06% | 4.03% | 4.02% |
| ▁▁▃▅▇█▆▆ | Return on Assets (%) | 0.94% | 0.93% | 1.02% | 1.11% | 1.18% | 1.26% | 1.15% | 1.17% |
| ▆▆█▃▂▁█▄ | Efficiency Ratio (%) | 66.9% | 66.7% | 68.0% | 65.2% | 64.2% | 63.2% | 68.6% | 65.8% |
| █▆▄▃▃▂▁▁ | Cost of Funds (%) | 2.62% | 2.44% | 2.26% | 2.13% | 2.16% | 2.03% | 1.91% | 1.92% |
| █▇▄▃▂▁▂▁ | NPA / Assets (%) | 1.55% | 1.34% | 0.85% | 0.68% | 0.61% | 0.48% | 0.66% | 0.40% |
| ▁▁█▇▆▅▇▃ | Net Charge-Off Ratio (%) | 0.22% | 0.20% | 1.04% | 0.93% | 0.83% | 0.64% | 0.86% | 0.43% |
| ▁▁▁▁▂▂▄█ | Tang. Book Value ($M) | $40 | $39 | $40 | $40 | $42 | $44 | $48 | $59 |
| ▂▂▂▁▂▄██ | Gross Loans ($M) | $343 | $347 | $344 | $334 | $347 | $357 | $387 | $391 |
| ▁▁▂▂▂▃▅█ | Total Deposits ($M) | $376 | $383 | $388 | $396 | $398 | $405 | $428 | $467 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 59% |
| C&I / Commercial | 10% |
| Agricultural | 25% |
| Consumer | 2% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 18% |