Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.58% | +0.10 | 0.48% |
| Return on Equity (%) | ▲ | 6.79% | +0.92 | 5.87% |
| Net Interest Margin (%) | ▲ | 4.56% | +0.12 | 4.44% |
| Efficiency Ratio (%) | ▼ | 84.25% | +0.03 | 84.22% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.06 | $0 |
| Cost of Funds (%) | ▲ | 0.74% | -0.00 | 0.75% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $98 | -0.11 | $98 |
| Gross Loans ($M) | ▼ | $69 | -3.38 | $72 |
| Loan Growth YoY (%) | ▼ | 76.40% | -5.09 | 81.48% |
| Total Deposits ($M) | ▲ | $89 | +1.37 | $88 |
| Shareholders Equity ($M) | ▲ | $9 | +0.59 | $8 |
| Tang. Book Value ($M) | ▲ | $9 | +0.59 | $8 |
| Loan / Deposit Ratio (%) | ▼ | 76.40% | -5.09 | 81.48% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.00% | +0.95 | 0.05% |
| Allowance / Loans (%) | — | 1.29% | 0.10% | 1.19% |
| Net Charge-Off Ratio (%) | ▼ | 1.42% | +1.36 | 0.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.61% | +0.62 | 12.99% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▇▇▇▇▆█ | Net Interest Margin (%) | 4.00% | 4.04% | 4.42% | 4.44% | 4.46% | 4.48% | 4.39% | 4.56% |
| ▄▄▁▄▅▅█▇ | Return on Assets (%) | 0.48% | 0.48% | 0.36% | 0.48% | 0.49% | 0.50% | 0.62% | 0.58% |
| ▅▅█▄▃▄▁▄ | Efficiency Ratio (%) | 85.1% | 85.7% | 88.4% | 84.2% | 83.8% | 84.5% | 81.7% | 84.3% |
| ██▁▁▅▄▃▁ | Cost of Funds (%) | 1.08% | 1.06% | 0.74% | 0.75% | 0.95% | 0.91% | 0.84% | 0.74% |
| ▁▁▁▁▁▂██ | NPA / Assets (%) | 0.00% | 0.03% | 0.05% | 0.05% | 0.04% | 0.14% | 0.97% | 1.00% |
| ▁▁▁▁▁▂██ | Net Charge-Off Ratio (%) | 0.00% | 0.04% | 0.06% | 0.06% | 0.06% | 0.20% | 1.38% | 1.42% |
| ▁▁▃▃▆▇██ | Tang. Book Value ($M) | $8 | $8 | $8 | $8 | $8 | $8 | $9 | $9 |
| ▅▃▅███▅▁ | Gross Loans ($M) | $71 | $70 | $71 | $72 | $72 | $72 | $71 | $69 |
| █▁▁▆▅▇▇▇ | Total Deposits ($M) | $90 | $83 | $82 | $88 | $87 | $89 | $89 | $89 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 10% |
| Agricultural | 8% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 34% |
| Interest-Bearing (core) | 59% |
| Brokered / Other | 7% |