Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.32% | +0.08 | 1.23% |
| Return on Equity (%) | ▼ | 16.53% | -3.40 | 19.93% |
| Net Interest Margin (%) | ▲ | 4.25% | +0.66 | 3.59% |
| Efficiency Ratio (%) | ▲ | 65.05% | -0.98 | 66.04% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.02 | $1 |
| Cost of Funds (%) | ▲ | 0.90% | -0.15 | 1.05% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $240 | -4.04 | $244 |
| Gross Loans ($M) | ▲ | $137 | +9.47 | $127 |
| Loan Growth YoY (%) | ▲ | 62.16% | +6.22 | 55.94% |
| Total Deposits ($M) | ▼ | $218 | -7.52 | $225 |
| Shareholders Equity ($M) | ▲ | $20 | +3.94 | $16 |
| Tang. Book Value ($M) | ▲ | $20 | +3.94 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +3.31 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 62.16% | +6.22 | 55.94% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.25% | +0.04 | 0.21% |
| Allowance / Loans (%) | — | 1.02% | 0.03% | 0.98% |
| Net Charge-Off Ratio (%) | ▲ | 0.08% | -0.33 | 0.40% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.13% | +0.51 | 15.63% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▅██ | Net Interest Margin (%) | 3.29% | 3.32% | 3.42% | 3.59% | 3.70% | 3.79% | 4.17% | 4.25% |
| ▁▂▁▇█▇▆█ | Return on Assets (%) | 0.88% | 0.95% | 0.90% | 1.23% | 1.30% | 1.25% | 1.16% | 1.32% |
| ▆▅█▁▁▁▄▁ | Efficiency Ratio (%) | 70.9% | 69.5% | 73.1% | 66.0% | 65.0% | 65.2% | 68.3% | 65.1% |
| █▇▆▆▆▄▃▁ | Cost of Funds (%) | 1.13% | 1.10% | 1.07% | 1.05% | 1.06% | 1.00% | 0.97% | 0.90% |
| █▇▄▁▁▁▁▂ | NPA / Assets (%) | 0.46% | 0.41% | 0.32% | 0.21% | 0.21% | 0.20% | 0.21% | 0.25% |
| █▇▆▄▁▁▁▁ | Net Charge-Off Ratio (%) | 0.90% | 0.79% | 0.63% | 0.40% | 0.01% | 0.00% | 0.00% | 0.08% |
| ▂▁▂▃▆███ | Tang. Book Value ($M) | $15 | $14 | $15 | $16 | $18 | $19 | $19 | $20 |
| ▁▂▁▃▅███ | Gross Loans ($M) | $122 | $124 | $123 | $127 | $130 | $135 | $136 | $137 |
| ▇███▇█▁▁ | Total Deposits ($M) | $224 | $226 | $226 | $225 | $224 | $226 | $217 | $218 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 19% |
| Agricultural | 1% |
| Consumer | 2% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 4% |