Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.60% | -0.54 | 1.15% |
| Return on Equity (%) | ▼ | 6.49% | -6.09 | 12.58% |
| Net Interest Margin (%) | ▼ | 3.88% | -0.11 | 3.99% |
| Efficiency Ratio (%) | ▼ | 61.96% | +0.68 | 61.27% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.04 | $1 |
| Cost of Funds (%) | ▼ | 1.73% | +0.10 | 1.63% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $157 | +4.39 | $153 |
| Gross Loans ($M) | ▲ | $102 | +6.55 | $96 |
| Loan Growth YoY (%) | ▲ | 73.59% | +2.04 | 71.56% |
| Total Deposits ($M) | ▲ | $137 | +5.09 | $132 |
| Shareholders Equity ($M) | ▲ | $14 | +0.74 | $14 |
| Tang. Book Value ($M) | ▲ | $14 | +0.74 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +0.81 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 73.59% | +2.04 | 71.56% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.25% | +0.89 | 0.36% |
| Allowance / Loans (%) | — | 1.27% | 0.03% | 1.24% |
| Net Charge-Off Ratio (%) | ▼ | 1.92% | +1.34 | 0.58% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.00% | +0.03 | 14.98% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▆▇██▂▄ | Net Interest Margin (%) | 3.76% | 3.77% | 3.94% | 3.99% | 4.03% | 4.01% | 3.82% | 3.88% |
| ▇▇████▁▄ | Return on Assets (%) | 1.00% | 0.97% | 1.09% | 1.15% | 1.20% | 1.18% | 0.06% | 0.60% |
| ██▄▂▁▁▇▃ | Efficiency Ratio (%) | 66.2% | 65.7% | 62.7% | 61.3% | 60.1% | 60.3% | 64.8% | 62.0% |
| ▇█▃▁▇█▃▅ | Cost of Funds (%) | 1.78% | 1.80% | 1.68% | 1.63% | 1.76% | 1.79% | 1.69% | 1.73% |
| ▁▁▁▁▁▁██ | NPA / Assets (%) | 0.40% | 0.40% | 0.39% | 0.36% | 0.35% | 0.35% | 1.26% | 1.25% |
| ▁▁▁▁▁▁██ | Net Charge-Off Ratio (%) | 0.65% | 0.62% | 0.61% | 0.58% | 0.57% | 0.55% | 1.97% | 1.92% |
| ▁▁▁▃▆█▅▆ | Tang. Book Value ($M) | $13 | $13 | $13 | $14 | $14 | $15 | $14 | $14 |
| ▁▂▃▅▅▆▇█ | Gross Loans ($M) | $88 | $91 | $92 | $96 | $96 | $98 | $100 | $102 |
| ▁▁▂▆▆▆██ | Total Deposits ($M) | $119 | $120 | $123 | $132 | $132 | $132 | $137 | $137 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 7% |
| Agricultural | 8% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 9% |