Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.86% | +0.14 | 1.71% |
| Return on Equity (%) | ▲ | 12.70% | +0.07 | 12.63% |
| Net Interest Margin (%) | ▲ | 4.65% | +0.21 | 4.44% |
| Efficiency Ratio (%) | ▲ | 44.50% | -3.41 | 47.92% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.61 | $3 |
| Cost of Funds (%) | ▼ | 1.21% | +0.18 | 1.03% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $456 | +35.69 | $421 |
| Gross Loans ($M) | ▲ | $334 | +34.50 | $299 |
| Loan Growth YoY (%) | ▲ | 92.32% | +6.75 | 85.56% |
| Total Deposits ($M) | ▲ | $357 | +11.77 | $346 |
| Shareholders Equity ($M) | ▲ | $68 | +8.58 | $60 |
| Tang. Book Value ($M) | ▲ | $67 | +8.58 | $58 |
| TBV excl. AOCI ($M)** | ▲ | $71 | +8.18 | $63 |
| Loan / Deposit Ratio (%) | ▲ | 92.32% | +6.75 | 85.56% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.75% | +0.06 | 0.69% |
| Allowance / Loans (%) | — | 1.21% | -0.04% | 1.25% |
| Net Charge-Off Ratio (%) | ▼ | 1.02% | +0.05 | 0.96% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 20.94% | +0.08 | 20.86% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▅▅▆▇█ | Net Interest Margin (%) | 4.21% | 4.26% | 4.29% | 4.44% | 4.47% | 4.50% | 4.55% | 4.65% |
| ▁▅▃▅▆█▆█ | Return on Assets (%) | 1.53% | 1.75% | 1.64% | 1.71% | 1.78% | 1.89% | 1.77% | 1.86% |
| █▄▇▅▃▁▄▁ | Efficiency Ratio (%) | 50.3% | 47.0% | 49.2% | 47.9% | 46.6% | 45.0% | 47.0% | 44.5% |
| ▆▂▁▁▁█▆▇ | Cost of Funds (%) | 1.17% | 1.08% | 1.03% | 1.03% | 1.05% | 1.24% | 1.18% | 1.21% |
| ▁▆▃▄██▇▅ | NPA / Assets (%) | 0.53% | 0.80% | 0.64% | 0.69% | 0.90% | 0.94% | 0.88% | 0.75% |
| ▁▆▃▃██▇▄ | Net Charge-Off Ratio (%) | 0.77% | 1.16% | 0.95% | 0.96% | 1.26% | 1.31% | 1.23% | 1.02% |
| ▁▁▂▄▅▆▇█ | Tang. Book Value ($M) | $54 | $53 | $56 | $58 | $61 | $63 | $64 | $67 |
| ▁▁▁▃▆▆▇█ | Gross Loans ($M) | $285 | $287 | $288 | $299 | $317 | $320 | $323 | $334 |
| ▁▃▅▁▁▆▇█ | Total Deposits ($M) | $344 | $348 | $352 | $346 | $346 | $353 | $355 | $357 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 4% |
| Agricultural | 1% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 8% |