Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.77% | -0.26 | 1.03% |
| Return on Equity (%) | ▼ | 8.18% | -2.43 | 10.61% |
| Net Interest Margin (%) | ▲ | 5.25% | +0.10 | 5.15% |
| Efficiency Ratio (%) | ▼ | 79.77% | +5.46 | 74.31% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.07 | $0 |
| Cost of Funds (%) | ▲ | 1.05% | -0.02 | 1.08% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $100 | +2.22 | $98 |
| Gross Loans ($M) | ▲ | $75 | +9.38 | $66 |
| Loan Growth YoY (%) | ▲ | 84.70% | +9.19 | 75.51% |
| Total Deposits ($M) | ▲ | $88 | +1.67 | $86 |
| Shareholders Equity ($M) | ▼ | $9 | -0.06 | $9 |
| Tang. Book Value ($M) | ▼ | $9 | -0.06 | $9 |
| Loan / Deposit Ratio (%) | ▲ | 84.70% | +9.19 | 75.51% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.43% | +0.06 | 0.37% |
| Allowance / Loans (%) | — | 1.25% | -0.13% | 1.38% |
| Net Charge-Off Ratio (%) | ▼ | 0.57% | +0.05 | 0.51% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 13.17% | -1.06 | 14.23% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▆▆▇▃█ | Net Interest Margin (%) | 4.93% | 4.97% | 5.05% | 5.15% | 5.17% | 5.20% | 5.03% | 5.25% |
| ▆▆███▇▁▅ | Return on Assets (%) | 0.87% | 0.90% | 1.08% | 1.03% | 1.02% | 0.92% | 0.40% | 0.77% |
| ▂▁▁▂▁▂█▄ | Efficiency Ratio (%) | 76.1% | 73.1% | 72.1% | 74.3% | 74.2% | 75.1% | 89.5% | 79.8% |
| ▁▂▅▆▆█▄▅ | Cost of Funds (%) | 0.88% | 0.94% | 1.03% | 1.08% | 1.09% | 1.16% | 0.99% | 1.05% |
| █▇▆▁▁▂▁▁ | NPA / Assets (%) | 0.92% | 0.82% | 0.76% | 0.37% | 0.41% | 0.46% | 0.38% | 0.43% |
| █▇▆▁▁▂▁▁ | Net Charge-Off Ratio (%) | 1.27% | 1.16% | 1.05% | 0.51% | 0.60% | 0.65% | 0.55% | 0.57% |
| ▁▃▆███▇█ | Tang. Book Value ($M) | $9 | $9 | $9 | $9 | $9 | $9 | $9 | $9 |
| ▁▁▂▃▄▅▅█ | Gross Loans ($M) | $62 | $62 | $65 | $66 | $67 | $69 | $70 | $75 |
| ▁▃▅▇▇▆██ | Total Deposits ($M) | $79 | $82 | $84 | $86 | $86 | $86 | $88 | $88 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 5% |
| Agricultural | 2% |
| Consumer | 23% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 33% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 10% |