Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.02% | +0.12 | 0.91% |
| Return on Equity (%) | ▼ | 10.71% | -0.17 | 10.88% |
| Net Interest Margin (%) | ▲ | 3.12% | +0.36 | 2.77% |
| Efficiency Ratio (%) | ▲ | 66.53% | -0.87 | 67.40% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.01 | $1 |
| Cost of Funds (%) | ▲ | 2.23% | -0.25 | 2.49% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $279 | +4.50 | $275 |
| Gross Loans ($M) | ▲ | $159 | +4.22 | $155 |
| Loan Growth YoY (%) | ▲ | 75.13% | +0.76 | 74.37% |
| Total Deposits ($M) | ▲ | $209 | +3.29 | $206 |
| Shareholders Equity ($M) | ▲ | $28 | +4.84 | $23 |
| Tang. Book Value ($M) | ▲ | $28 | +4.84 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $33 | +4.71 | $28 |
| Loan / Deposit Ratio (%) | ▲ | 75.13% | +0.76 | 74.37% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.09% | -0.57 | 0.66% |
| Allowance / Loans (%) | — | 1.26% | 0.09% | 1.18% |
| Net Charge-Off Ratio (%) | ▲ | 0.16% | -1.01 | 1.17% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 16.71% | -0.59 | 17.30% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▇▇█ | Net Interest Margin (%) | 2.25% | 2.35% | 2.57% | 2.77% | 2.85% | 2.92% | 3.00% | 3.12% |
| ▁▂▅▇▇▇██ | Return on Assets (%) | 0.32% | 0.48% | 0.73% | 0.91% | 0.92% | 0.93% | 0.99% | 1.02% |
| █▇▄▁▁▁▂▁ | Efficiency Ratio (%) | 80.4% | 76.8% | 72.4% | 67.4% | 66.2% | 65.9% | 68.0% | 66.5% |
| ██▅▄▅▅▁▁ | Cost of Funds (%) | 2.78% | 2.82% | 2.52% | 2.49% | 2.55% | 2.51% | 2.21% | 2.23% |
| ▁▁██▁▂▁▁ | NPA / Assets (%) | 0.05% | 0.03% | 0.67% | 0.66% | 0.04% | 0.13% | 0.09% | 0.09% |
| ▁▁██▁▂▁▁ | Net Charge-Off Ratio (%) | 0.09% | 0.06% | 1.31% | 1.17% | 0.07% | 0.23% | 0.17% | 0.16% |
| ▃▁▁▁▅▇▆█ | Tang. Book Value ($M) | $25 | $23 | $23 | $23 | $25 | $27 | $26 | $28 |
| ▁▂▁▅██▅▇ | Gross Loans ($M) | $143 | $146 | $144 | $155 | $163 | $161 | $153 | $159 |
| ▆▁█▄▃▂█▅ | Total Deposits ($M) | $211 | $198 | $216 | $206 | $203 | $203 | $214 | $209 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 65% |
| C&I / Commercial | 18% |
| Agricultural | 13% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 17% |