Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.47% | +0.39 | 2.08% |
| Return on Equity (%) | ▲ | 12.57% | +1.71 | 10.86% |
| Net Interest Margin (%) | ▲ | 4.98% | +0.28 | 4.70% |
| Efficiency Ratio (%) | ▲ | 37.94% | -6.72 | 44.66% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.35 | $1 |
| Cost of Funds (%) | ▲ | 1.50% | -0.12 | 1.62% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $185 | +9.59 | $176 |
| Gross Loans ($M) | ▲ | $151 | +10.17 | $140 |
| Loan Growth YoY (%) | ▲ | 101.50% | +1.71 | 99.79% |
| Total Deposits ($M) | ▲ | $147 | +7.47 | $139 |
| Shareholders Equity ($M) | ▲ | $38 | +2.06 | $36 |
| Tang. Book Value ($M) | ▲ | $38 | +2.06 | $36 |
| Loan / Deposit Ratio (%) | ▲ | 101.50% | +1.71 | 99.79% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.68% | +0.19 | 0.49% |
| Allowance / Loans (%) | — | 1.18% | 0.06% | 1.12% |
| Net Charge-Off Ratio (%) | ▼ | 0.83% | +0.22 | 0.61% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▄▁▃▆▇▆█ | Net Interest Margin (%) | 4.77% | 4.74% | 4.54% | 4.70% | 4.83% | 4.87% | 4.83% | 4.98% |
| ▅▁▃▃▃▁▇█ | Return on Assets (%) | 2.27% | 1.95% | 2.08% | 2.08% | 2.12% | 1.97% | 2.36% | 2.47% |
| ▃█▅▆▅█▂▁ | Efficiency Ratio (%) | 41.1% | 47.6% | 43.4% | 44.7% | 43.9% | 47.4% | 39.5% | 37.9% |
| ▅▄▆██▅▁▁ | Cost of Funds (%) | 1.57% | 1.55% | 1.59% | 1.62% | 1.61% | 1.56% | 1.50% | 1.50% |
| ▁▁▁▁▂▆█▆ | NPA / Assets (%) | 0.49% | 0.49% | 0.46% | 0.49% | 0.53% | 0.67% | 0.79% | 0.68% |
| ▂▂▂▁▁▆█▅ | Net Charge-Off Ratio (%) | 0.69% | 0.71% | 0.67% | 0.61% | 0.65% | 0.91% | 1.03% | 0.83% |
| ▂▁▃▅▆▅▆█ | Tang. Book Value ($M) | $34 | $34 | $35 | $36 | $36 | $36 | $36 | $38 |
| ▂▁▁▅█▅▆█ | Gross Loans ($M) | $127 | $124 | $124 | $140 | $149 | $139 | $141 | $151 |
| ▃█▄▁▅█▆▅ | Total Deposits ($M) | $142 | $152 | $144 | $139 | $146 | $152 | $147 | $147 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 44% |
| C&I / Commercial | 18% |
| Agricultural | 24% |
| Consumer | 13% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 13% |