Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.42% | -0.47 | 1.89% |
| Return on Equity (%) | ▼ | 11.56% | -3.91 | 15.47% |
| Net Interest Margin (%) | ▲ | 4.65% | +0.08 | 4.57% |
| Efficiency Ratio (%) | ▼ | 58.60% | +6.79 | 51.81% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.06 | $1 |
| Cost of Funds (%) | ▲ | 1.68% | -0.17 | 1.85% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $109 | +5.74 | $103 |
| Gross Loans ($M) | ▲ | $81 | +10.13 | $71 |
| Loan Growth YoY (%) | ▲ | 86.15% | +6.56 | 79.59% |
| Total Deposits ($M) | ▲ | $94 | +5.09 | $89 |
| Shareholders Equity ($M) | ▲ | $14 | +0.60 | $13 |
| Tang. Book Value ($M) | ▲ | $14 | +0.60 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 86.15% | +6.56 | 79.59% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.46% | -0.38 | 1.84% |
| Allowance / Loans (%) | — | 0.65% | -0.20% | 0.85% |
| Net Charge-Off Ratio (%) | ▲ | 0.99% | -1.68 | 2.67% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 17.47% | -1.18 | 18.66% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▂▂▄▁▂▂█ | Net Interest Margin (%) | 4.55% | 4.53% | 4.53% | 4.57% | 4.50% | 4.53% | 4.54% | 4.65% |
| ▁▂█▅▃▂▁▁ | Return on Assets (%) | 1.45% | 1.53% | 2.40% | 1.89% | 1.64% | 1.57% | 1.37% | 1.42% |
| ▇█▁▄▆███ | Efficiency Ratio (%) | 57.8% | 59.5% | 45.8% | 51.8% | 55.7% | 59.2% | 59.3% | 58.6% |
| ▆█▆▅▄▄▂▁ | Cost of Funds (%) | 1.91% | 2.00% | 1.91% | 1.85% | 1.80% | 1.80% | 1.75% | 1.68% |
| ▁▂█▅▂▄▁▄ | NPA / Assets (%) | 0.59% | 0.88% | 2.70% | 1.84% | 0.94% | 1.59% | 0.67% | 1.46% |
| ▁▁█▅▂▄▁▁ | Net Charge-Off Ratio (%) | 0.88% | 1.25% | 3.94% | 2.67% | 1.35% | 2.26% | 0.95% | 0.99% |
| ▄▁▄▆█▅▇█ | Tang. Book Value ($M) | $13 | $12 | $13 | $13 | $14 | $13 | $13 | $14 |
| ▁▁▁▂▃▃▅█ | Gross Loans ($M) | $70 | $71 | $70 | $71 | $73 | $74 | $76 | $81 |
| ▂▁▂▃▃▄██ | Total Deposits ($M) | $88 | $86 | $88 | $89 | $89 | $90 | $94 | $94 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 10% |
| Agricultural | 8% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 16% |