Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.04% | +0.53 | 0.51% |
| Return on Equity (%) | ▲ | 12.03% | +5.84 | 6.19% |
| Net Interest Margin (%) | ▲ | 3.69% | +0.31 | 3.39% |
| Efficiency Ratio (%) | ▲ | 70.68% | -14.18 | 84.86% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.65 | $0 |
| Cost of Funds (%) | ▲ | 1.07% | -0.32 | 1.39% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $264 | -2.80 | $266 |
| Gross Loans ($M) | ▼ | $128 | -1.30 | $129 |
| Loan Growth YoY (%) | ▼ | 52.84% | -1.24 | 54.07% |
| Total Deposits ($M) | ▲ | $239 | +2.96 | $236 |
| Shareholders Equity ($M) | ▲ | $24 | +1.96 | $22 |
| Tang. Book Value ($M) | ▲ | $24 | +1.96 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $30 | +1.82 | $28 |
| Loan / Deposit Ratio (%) | ▼ | 52.84% | -1.24 | 54.07% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.62% | -0.05 | 0.67% |
| Allowance / Loans (%) | — | 1.64% | 0.06% | 1.58% |
| Net Charge-Off Ratio (%) | ▲ | 1.27% | -0.10 | 1.37% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.52% | +0.83 | 13.69% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▄▅▆▇█ | Net Interest Margin (%) | 3.15% | 3.25% | 3.46% | 3.39% | 3.42% | 3.54% | 3.57% | 3.69% |
| ▆▅▃▁▂▃▇█ | Return on Assets (%) | 0.88% | 0.82% | 0.68% | 0.51% | 0.62% | 0.66% | 0.93% | 1.04% |
| ▂▃▆█▇▆▃▁ | Efficiency Ratio (%) | 72.6% | 74.5% | 79.8% | 84.9% | 81.8% | 80.9% | 74.9% | 70.7% |
| ▇▅▂█▅▃▁▁ | Cost of Funds (%) | 1.32% | 1.24% | 1.11% | 1.39% | 1.24% | 1.16% | 1.04% | 1.07% |
| ▁▆▆█▅▇█▇ | NPA / Assets (%) | 0.25% | 0.57% | 0.57% | 0.67% | 0.50% | 0.62% | 0.68% | 0.62% |
| ▁▅▆▇▅▆█▇ | Net Charge-Off Ratio (%) | 0.50% | 1.12% | 1.17% | 1.37% | 1.07% | 1.25% | 1.52% | 1.27% |
| ▄▁▄▂▆▇▇█ | Tang. Book Value ($M) | $22 | $21 | $22 | $22 | $23 | $23 | $23 | $24 |
| █▅▄▃▂▄▁▂ | Gross Loans ($M) | $134 | $131 | $130 | $129 | $128 | $130 | $127 | $128 |
| ▄▁▁▁▆▂█▂ | Total Deposits ($M) | $246 | $234 | $235 | $236 | $251 | $238 | $258 | $239 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 6% |
| Agricultural | 1% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 8% |