Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.50% | -0.27 | 0.77% |
| Return on Equity (%) | ▼ | 4.79% | -3.05 | 7.84% |
| Net Interest Margin (%) | ▲ | 3.41% | +0.01 | 3.40% |
| Efficiency Ratio (%) | ▼ | 77.89% | +5.00 | 72.89% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.02 | $0 |
| Cost of Funds (%) | ▼ | 1.70% | +0.01 | 1.69% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $201 | +6.40 | $194 |
| Gross Loans ($M) | ▲ | $126 | +9.01 | $117 |
| Loan Growth YoY (%) | ▲ | 73.72% | +3.36 | 70.36% |
| Total Deposits ($M) | ▲ | $169 | +4.48 | $164 |
| Shareholders Equity ($M) | ▲ | $21 | +1.95 | $19 |
| Tang. Book Value ($M) | ▲ | $20 | +2.20 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $23 | +2.40 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 73.72% | +3.36 | 70.36% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.91% | -0.03 | 0.93% |
| Allowance / Loans (%) | — | 1.24% | 0.07% | 1.18% |
| Net Charge-Off Ratio (%) | ▲ | 1.44% | -0.11 | 1.55% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.37% | -0.56 | 15.93% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂██▇▇▇█ | Net Interest Margin (%) | 3.21% | 3.25% | 3.40% | 3.40% | 3.36% | 3.37% | 3.36% | 3.41% |
| ▅▅█▇▇▆▁▃ | Return on Assets (%) | 0.63% | 0.64% | 0.88% | 0.77% | 0.78% | 0.68% | 0.32% | 0.50% |
| ▆▆▁▃▁▄█▇ | Efficiency Ratio (%) | 76.7% | 76.4% | 70.3% | 72.9% | 71.0% | 74.1% | 79.9% | 77.9% |
| ▂▄▁▆▅█▂▆ | Cost of Funds (%) | 1.41% | 1.53% | 1.30% | 1.69% | 1.62% | 1.86% | 1.41% | 1.70% |
| ▇█▁▁▁▁▁▁ | NPA / Assets (%) | 1.67% | 1.80% | 0.88% | 0.93% | 0.86% | 0.95% | 0.86% | 0.91% |
| ██▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 2.85% | 2.89% | 1.62% | 1.55% | 1.54% | 1.56% | 1.49% | 1.44% |
| ▃▁▂▂▇███ | Tang. Book Value ($M) | $18 | $17 | $18 | $18 | $20 | $20 | $20 | $20 |
| ▁▁▁▄▄▅▆█ | Gross Loans ($M) | $111 | $110 | $111 | $117 | $117 | $119 | $121 | $126 |
| ▄▁▇▅█▅█▆ | Total Deposits ($M) | $160 | $147 | $173 | $164 | $176 | $163 | $178 | $169 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 19% |
| Agricultural | 3% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 12% |