Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.04% | +0.39 | 1.66% |
| Return on Equity (%) | ▲ | 24.82% | +2.89 | 21.93% |
| Net Interest Margin (%) | ▲ | 3.57% | +0.51 | 3.06% |
| Efficiency Ratio (%) | ▲ | 40.64% | -6.14 | 46.78% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.29 | $2 |
| Cost of Funds (%) | ▲ | 1.91% | -0.20 | 2.11% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $349 | +37.02 | $312 |
| Gross Loans ($M) | ▲ | $287 | +42.56 | $245 |
| Loan Growth YoY (%) | ▲ | 97.32% | +2.35 | 94.97% |
| Total Deposits ($M) | ▲ | $293 | +37.20 | $256 |
| Shareholders Equity ($M) | ▲ | $28 | +2.67 | $25 |
| Tang. Book Value ($M) | ▲ | $28 | +2.67 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +1.80 | $28 |
| Loan / Deposit Ratio (%) | ▲ | 97.32% | +2.35 | 94.97% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.82% | +0.62 | 0.20% |
| Allowance / Loans (%) | — | 0.90% | -0.01% | 0.92% |
| Net Charge-Off Ratio (%) | ▼ | 0.99% | +0.74 | 0.25% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 11.62% | -0.65 | 12.27% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 2.42% | 2.49% | 2.87% | 3.06% | 3.13% | 3.19% | 3.44% | 3.57% |
| ▁▁▄▆▆▅██ | Return on Assets (%) | 0.91% | 0.89% | 1.37% | 1.66% | 1.68% | 1.59% | 1.96% | 2.04% |
| ██▅▃▂▄▁▁ | Efficiency Ratio (%) | 60.1% | 62.0% | 50.9% | 46.8% | 44.7% | 48.9% | 39.3% | 40.6% |
| █▇▃▃▅▃▁▁ | Cost of Funds (%) | 2.45% | 2.34% | 2.10% | 2.11% | 2.21% | 2.07% | 1.97% | 1.91% |
| ▂▄▁▁▂▁▂█ | NPA / Assets (%) | 0.27% | 0.41% | 0.16% | 0.20% | 0.25% | 0.21% | 0.29% | 0.82% |
| ▂▄▁▁▂▁▂█ | Net Charge-Off Ratio (%) | 0.37% | 0.55% | 0.21% | 0.25% | 0.32% | 0.26% | 0.35% | 0.99% |
| ▁▃▄▆▇███ | Tang. Book Value ($M) | $20 | $22 | $24 | $25 | $27 | $28 | $28 | $28 |
| ▁▁▂▂▄▅▇█ | Gross Loans ($M) | $233 | $238 | $241 | $245 | $254 | $265 | $276 | $287 |
| ▁▃▄▁▁▅▅█ | Total Deposits ($M) | $258 | $269 | $271 | $256 | $260 | $278 | $278 | $293 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 9% |
| Agricultural | 7% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 20% |