Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.19% | +0.23 | 0.96% |
| Return on Equity (%) | ▲ | 6.77% | +1.25 | 5.52% |
| Net Interest Margin (%) | ▲ | 3.91% | +0.30 | 3.61% |
| Efficiency Ratio (%) | ▲ | 58.92% | -5.50 | 64.42% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.13 | $0 |
| Cost of Funds (%) | ▲ | 1.78% | -0.10 | 1.88% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $138 | +8.99 | $129 |
| Gross Loans ($M) | ▲ | $81 | +9.49 | $72 |
| Loan Growth YoY (%) | ▲ | 71.05% | +4.60 | 66.45% |
| Total Deposits ($M) | ▲ | $113 | +6.41 | $107 |
| Shareholders Equity ($M) | ▲ | $24 | +2.32 | $22 |
| Tang. Book Value ($M) | ▲ | $24 | +2.32 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +2.37 | $24 |
| Loan / Deposit Ratio (%) | ▲ | 71.05% | +4.60 | 66.45% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.39% | -0.06 | 0.44% |
| Allowance / Loans (%) | — | 1.00% | -0.10% | 1.10% |
| Net Charge-Off Ratio (%) | ▲ | 0.14% | -0.07 | 0.21% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 33.72% | -0.81 | 34.52% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▅▅██ | Net Interest Margin (%) | 3.26% | 3.33% | 3.50% | 3.61% | 3.63% | 3.66% | 3.84% | 3.91% |
| ▃▁▆▄▄▃▅█ | Return on Assets (%) | 0.91% | 0.75% | 1.04% | 0.96% | 0.94% | 0.87% | 1.02% | 1.19% |
| ▄█▃▅▅▇▁▁ | Efficiency Ratio (%) | 62.6% | 69.8% | 62.2% | 64.4% | 64.3% | 67.3% | 57.8% | 58.9% |
| █▇▄▃▄▃▁▁ | Cost of Funds (%) | 2.12% | 2.06% | 1.93% | 1.88% | 1.93% | 1.91% | 1.79% | 1.78% |
| ▇▂█▅▆▅▃▁ | NPA / Assets (%) | 0.46% | 0.41% | 0.48% | 0.44% | 0.45% | 0.44% | 0.42% | 0.39% |
| ▇▁█▆█▆▁▂ | Net Charge-Off Ratio (%) | 0.24% | 0.12% | 0.26% | 0.21% | 0.26% | 0.21% | 0.11% | 0.14% |
| ▅▁▁▁▆▇▅█ | Tang. Book Value ($M) | $23 | $22 | $22 | $22 | $24 | $24 | $23 | $24 |
| ▁▁▃▃▄▅▆█ | Gross Loans ($M) | $67 | $69 | $71 | $72 | $72 | $75 | $77 | $81 |
| ▂▁▂▄▇▆▆█ | Total Deposits ($M) | $104 | $102 | $104 | $107 | $111 | $110 | $110 | $113 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 64% |
| C&I / Commercial | 20% |
| Agricultural | 4% |
| Consumer | 12% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 14% |