Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.03% | +0.11 | 0.92% |
| Return on Equity (%) | ▲ | 7.05% | +0.59 | 6.46% |
| Net Interest Margin (%) | ▲ | 4.13% | +0.27 | 3.87% |
| Efficiency Ratio (%) | ▲ | 67.04% | -2.28 | 69.33% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.07 | $0 |
| Cost of Funds (%) | ▲ | 1.82% | -0.13 | 1.95% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $109 | +7.87 | $101 |
| Gross Loans ($M) | ▲ | $89 | +11.92 | $77 |
| Loan Growth YoY (%) | ▲ | 95.76% | +8.05 | 87.71% |
| Total Deposits ($M) | ▲ | $91 | +5.16 | $86 |
| Shareholders Equity ($M) | ▲ | $16 | +1.06 | $15 |
| Tang. Book Value ($M) | ▲ | $16 | +1.06 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 95.76% | +8.05 | 87.71% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.40% | -0.25 | 0.66% |
| Allowance / Loans (%) | — | 1.55% | -0.16% | 1.71% |
| Net Charge-Off Ratio (%) | ▲ | 0.50% | -0.37 | 0.86% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 24.36% | -1.26 | 25.62% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▂▅█▇ | Net Interest Margin (%) | 3.82% | 3.86% | 3.86% | 3.87% | 3.89% | 4.02% | 4.18% | 4.13% |
| ▁▂▆▇█▆▇█ | Return on Assets (%) | 0.59% | 0.68% | 0.87% | 0.92% | 0.99% | 0.90% | 0.92% | 1.03% |
| ▄██▅▁▃▇▁ | Efficiency Ratio (%) | 68.5% | 71.6% | 71.3% | 69.3% | 66.7% | 68.2% | 70.5% | 67.0% |
| ▇█▃▅▃▄▁▂ | Cost of Funds (%) | 2.02% | 2.10% | 1.86% | 1.95% | 1.87% | 1.88% | 1.74% | 1.82% |
| ▄▁▅▇█▇▅▄ | NPA / Assets (%) | 0.32% | 0.01% | 0.48% | 0.66% | 0.84% | 0.65% | 0.47% | 0.40% |
| ▄▁▇██▆▆▅ | Net Charge-Off Ratio (%) | 0.42% | 0.01% | 0.68% | 0.86% | 0.85% | 0.54% | 0.59% | 0.50% |
| ▂▁▅▅▇▇▇█ | Tang. Book Value ($M) | $14 | $13 | $15 | $15 | $15 | $15 | $15 | $16 |
| ▂▁▁▃▃▅▆█ | Gross Loans ($M) | $74 | $72 | $72 | $77 | $78 | $82 | $83 | $89 |
| ▁▁▅▄▇▂▆█ | Total Deposits ($M) | $83 | $82 | $87 | $86 | $90 | $84 | $88 | $91 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 71% |
| C&I / Commercial | 12% |
| Agricultural | 9% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 31% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 11% |