Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.64% | +0.13 | 0.52% |
| Return on Equity (%) | ▲ | 5.18% | +0.79 | 4.39% |
| Net Interest Margin (%) | ▲ | 3.88% | +0.34 | 3.54% |
| Efficiency Ratio (%) | ▲ | 74.88% | -2.40 | 77.28% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $1 |
| Cost of Funds (%) | ▲ | 1.12% | -0.16 | 1.27% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $306 | +6.62 | $299 |
| Gross Loans ($M) | ▲ | $201 | +35.27 | $166 |
| Loan Growth YoY (%) | ▲ | 79.67% | +12.55 | 67.12% |
| Total Deposits ($M) | ▲ | $249 | +5.50 | $244 |
| Shareholders Equity ($M) | ▲ | $38 | +2.57 | $35 |
| Tang. Book Value ($M) | ▲ | $36 | +2.58 | $33 |
| TBV excl. AOCI ($M)** | ▲ | $38 | +1.91 | $36 |
| Loan / Deposit Ratio (%) | ▲ | 79.67% | +12.55 | 67.12% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.86% | -1.95 | 2.81% |
| Allowance / Loans (%) | — | 1.10% | -0.05% | 1.16% |
| Net Charge-Off Ratio (%) | ▲ | 1.31% | -3.77 | 5.08% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 17.48% | -1.70 | 19.18% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▁▅▃▃▄█▇ | Net Interest Margin (%) | 3.48% | 3.38% | 3.75% | 3.54% | 3.59% | 3.63% | 3.98% | 3.88% |
| ▁▂▅▂▄▆██ | Return on Assets (%) | 0.48% | 0.52% | 0.58% | 0.52% | 0.55% | 0.61% | 0.66% | 0.64% |
| █▄▅▇▆▂▁▂ | Efficiency Ratio (%) | 77.9% | 76.0% | 76.2% | 77.3% | 76.7% | 74.8% | 74.1% | 74.9% |
| █▇▄▃▁▃▁▁ | Cost of Funds (%) | 1.60% | 1.48% | 1.35% | 1.27% | 1.14% | 1.27% | 1.11% | 1.12% |
| ▁▅▁█▁▁▄▁ | NPA / Assets (%) | 0.99% | 1.89% | 0.99% | 2.81% | 0.88% | 0.80% | 1.68% | 0.86% |
| ▁▄▁█▁▁▃▁ | Net Charge-Off Ratio (%) | 1.62% | 3.18% | 1.74% | 5.08% | 1.63% | 1.30% | 2.66% | 1.31% |
| ▁▁▃▃▅▇██ | Tang. Book Value ($M) | $32 | $32 | $33 | $33 | $34 | $35 | $35 | $36 |
| ▄▃▂▁▁▆▇█ | Gross Loans ($M) | $178 | $175 | $169 | $166 | $163 | $187 | $193 | $201 |
| ▄▅▄▁▅▄█▆ | Total Deposits ($M) | $247 | $248 | $247 | $244 | $248 | $247 | $251 | $249 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 16% |
| Agricultural | 4% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 7% |