Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.67% | +0.30 | 1.37% |
| Return on Equity (%) | ▲ | 11.57% | +1.64 | 9.93% |
| Net Interest Margin (%) | ▲ | 4.07% | +0.13 | 3.94% |
| Efficiency Ratio (%) | ▲ | 47.31% | -3.03 | 50.34% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.25 | $1 |
| Cost of Funds (%) | ▲ | 1.02% | -0.11 | 1.12% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $275 | +16.71 | $258 |
| Gross Loans ($M) | ▼ | $124 | -1.95 | $126 |
| Loan Growth YoY (%) | ▼ | 52.42% | -4.51 | 56.94% |
| Total Deposits ($M) | ▲ | $231 | +14.80 | $216 |
| Shareholders Equity ($M) | ▲ | $40 | +2.81 | $37 |
| Tang. Book Value ($M) | ▲ | $40 | +2.81 | $37 |
| TBV excl. AOCI ($M)** | ▲ | $45 | +3.26 | $42 |
| Loan / Deposit Ratio (%) | ▼ | 52.42% | -4.51 | 56.94% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.80% | -0.59 | 1.39% |
| Allowance / Loans (%) | — | 2.19% | 0.07% | 2.13% |
| Net Charge-Off Ratio (%) | ▲ | 0.16% | -0.66 | 0.82% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▆▆▇▇▇█ | Net Interest Margin (%) | 3.64% | 3.68% | 3.96% | 3.94% | 3.97% | 4.01% | 3.96% | 4.07% |
| ▃▃▁▂▃▅██ | Return on Assets (%) | 1.43% | 1.46% | 1.32% | 1.37% | 1.45% | 1.55% | 1.71% | 1.67% |
| ▇██▆▃▁▄▃ | Efficiency Ratio (%) | 51.5% | 52.5% | 52.6% | 50.3% | 46.9% | 44.2% | 48.4% | 47.3% |
| █▇▅▆▄▃▁▁ | Cost of Funds (%) | 1.17% | 1.13% | 1.09% | 1.12% | 1.08% | 1.06% | 1.01% | 1.02% |
| ██▃▅▄▄▅▁ | NPA / Assets (%) | 1.81% | 1.78% | 1.09% | 1.39% | 1.21% | 1.28% | 1.41% | 0.80% |
| ██▅▂▂▂▃▁ | Net Charge-Off Ratio (%) | 3.77% | 3.76% | 2.30% | 0.82% | 0.76% | 1.02% | 1.30% | 0.16% |
| ▁▁▃▄▆▇██ | Tang. Book Value ($M) | $35 | $36 | $36 | $37 | $39 | $39 | $40 | $40 |
| ▇▇█▇▁▄▇▃ | Gross Loans ($M) | $126 | $126 | $127 | $126 | $122 | $124 | $126 | $124 |
| ▄▅▅▁▃█▇█ | Total Deposits ($M) | $223 | $226 | $226 | $216 | $221 | $233 | $231 | $231 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 13% |
| Agricultural | 2% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 34% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 5% |