Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.34% | -0.17 | 0.51% |
| Return on Equity (%) | ▼ | 3.21% | -1.34 | 4.55% |
| Net Interest Margin (%) | ▲ | 3.92% | +0.54 | 3.38% |
| Efficiency Ratio (%) | ▼ | 88.38% | +4.92 | 83.45% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.30 | $1 |
| Cost of Funds (%) | ▲ | 2.30% | -0.15 | 2.45% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $463 | +41.84 | $421 |
| Gross Loans ($M) | ▲ | $350 | +52.66 | $298 |
| Loan Growth YoY (%) | ▲ | 90.98% | +1.66 | 89.32% |
| Total Deposits ($M) | ▲ | $383 | +51.67 | $331 |
| Shareholders Equity ($M) | ▲ | $47 | +0.14 | $47 |
| Tang. Book Value ($M) | ▲ | $47 | +0.14 | $47 |
| TBV excl. AOCI ($M)** | ▼ | $48 | -0.80 | $49 |
| Loan / Deposit Ratio (%) | ▲ | 90.98% | +1.66 | 89.32% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.39% | +0.25 | 0.15% |
| Allowance / Loans (%) | — | 0.62% | -0.06% | 0.68% |
| Net Charge-Off Ratio (%) | ▼ | 0.52% | +0.31 | 0.21% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 13.13% | -2.06 | 15.18% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▁▂▃▄▄▇█ | Net Interest Margin (%) | 3.28% | 3.18% | 3.32% | 3.38% | 3.47% | 3.54% | 3.82% | 3.92% |
| ▇▅▁██▆▁▃ | Return on Assets (%) | 0.46% | 0.40% | 0.28% | 0.51% | 0.49% | 0.44% | 0.28% | 0.34% |
| ▁▃█▁▂▄█▆ | Efficiency Ratio (%) | 83.7% | 85.6% | 90.5% | 83.5% | 84.4% | 86.5% | 91.1% | 88.4% |
| ▆█▂▃▃▃▁▁ | Cost of Funds (%) | 2.69% | 2.88% | 2.38% | 2.45% | 2.50% | 2.45% | 2.33% | 2.30% |
| ▁▂▂▁▁▅▁█ | NPA / Assets (%) | 0.13% | 0.18% | 0.19% | 0.15% | 0.15% | 0.27% | 0.14% | 0.39% |
| ▁▂▃▁▁▅▁█ | Net Charge-Off Ratio (%) | 0.19% | 0.26% | 0.28% | 0.21% | 0.19% | 0.36% | 0.19% | 0.52% |
| ▆▁▃▇██▇█ | Tang. Book Value ($M) | $47 | $46 | $46 | $47 | $47 | $47 | $47 | $47 |
| ▁▂▂▃▅▆▇█ | Gross Loans ($M) | $267 | $284 | $286 | $298 | $315 | $327 | $336 | $350 |
| ▁▁▁▁▂▅▆█ | Total Deposits ($M) | $331 | $336 | $332 | $331 | $339 | $361 | $363 | $383 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 12% |
| Agricultural | 4% |
| Consumer | 8% |
| Other | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 32% |