Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.43% | -0.43 | 2.86% |
| Return on Equity (%) | ▼ | 30.54% | -0.19 | 30.73% |
| Net Interest Margin (%) | ▼ | 6.53% | -0.19 | 6.72% |
| Efficiency Ratio (%) | ▼ | 59.85% | +5.47 | 54.38% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.16 | $1 |
| Cost of Funds (%) | ▲ | 1.04% | -0.09 | 1.13% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $188 | +0.39 | $188 |
| Gross Loans ($M) | ▲ | $170 | +10.50 | $160 |
| Loan Growth YoY (%) | ▲ | 98.51% | +5.30 | 93.21% |
| Total Deposits ($M) | ▲ | $171 | +1.48 | $170 |
| Shareholders Equity ($M) | ▼ | $15 | -2.68 | $17 |
| Tang. Book Value ($M) | ▼ | $15 | -2.58 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 98.51% | +5.30 | 93.21% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.21% | -0.09 | 0.30% |
| Allowance / Loans (%) | — | 1.08% | -0.04% | 1.12% |
| Net Charge-Off Ratio (%) | ▼ | 0.20% | +0.08 | 0.11% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 9.69% | -1.75 | 11.44% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▄▇███▁▄ | Net Interest Margin (%) | 6.41% | 6.52% | 6.71% | 6.72% | 6.73% | 6.76% | 6.35% | 6.53% |
| ▇█████▁▂ | Return on Assets (%) | 2.76% | 2.87% | 2.86% | 2.86% | 2.83% | 2.81% | 2.34% | 2.43% |
| ▂▁▃▃▃▃██ | Efficiency Ratio (%) | 53.6% | 52.3% | 54.3% | 54.4% | 54.8% | 55.2% | 60.1% | 59.8% |
| ▅█▄▅▄▃▁▁ | Cost of Funds (%) | 1.14% | 1.21% | 1.12% | 1.13% | 1.11% | 1.09% | 1.04% | 1.04% |
| █▃▅▅▂▁▁▃ | NPA / Assets (%) | 0.43% | 0.24% | 0.31% | 0.30% | 0.16% | 0.12% | 0.14% | 0.21% |
| █▁▅▅▆▄▅█ | Net Charge-Off Ratio (%) | 0.20% | 0.02% | 0.12% | 0.11% | 0.15% | 0.10% | 0.13% | 0.20% |
| ████▆▂▁▁ | Tang. Book Value ($M) | $18 | $18 | $17 | $17 | $17 | $15 | $15 | $15 |
| ▁▁▃▄▅▅▇█ | Gross Loans ($M) | $154 | $153 | $159 | $160 | $162 | $164 | $168 | $170 |
| ▃▂▆▃▃▁█▄ | Total Deposits ($M) | $169 | $167 | $175 | $170 | $170 | $165 | $179 | $171 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 4% |
| Agricultural | 4% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 36% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 4% |