Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.83% | -0.18 | 1.01% |
| Return on Equity (%) | ▼ | 8.89% | -1.68 | 10.57% |
| Net Interest Margin (%) | ▼ | 4.47% | -0.11 | 4.58% |
| Efficiency Ratio (%) | ▼ | 73.23% | +4.08 | 69.16% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.05 | $1 |
| Cost of Funds (%) | ▼ | 1.26% | +0.08 | 1.17% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $218 | +27.02 | $191 |
| Gross Loans ($M) | ▲ | $150 | +16.08 | $134 |
| Loan Growth YoY (%) | ▼ | 74.93% | -1.73 | 76.66% |
| Total Deposits ($M) | ▲ | $198 | +25.37 | $172 |
| Shareholders Equity ($M) | ▲ | $20 | +1.58 | $19 |
| Tang. Book Value ($M) | ▲ | $20 | +1.62 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +1.59 | $20 |
| Loan / Deposit Ratio (%) | ▼ | 74.93% | -1.73 | 76.66% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.18% | -0.10 | 0.28% |
| Allowance / Loans (%) | — | 1.53% | -0.15% | 1.67% |
| Net Charge-Off Ratio (%) | ▲ | 0.26% | -0.14 | 0.40% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.81% | -0.96 | 13.76% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▂▄██▁▁ | Net Interest Margin (%) | 4.84% | 4.82% | 4.51% | 4.58% | 4.82% | 4.83% | 4.41% | 4.47% |
| ██▆▆██▁▂ | Return on Assets (%) | 1.16% | 1.17% | 1.04% | 1.01% | 1.13% | 1.14% | 0.75% | 0.83% |
| ▂▃▄▃▁▂██ | Efficiency Ratio (%) | 68.6% | 69.0% | 69.8% | 69.2% | 67.2% | 68.5% | 73.0% | 73.2% |
| ▁▁▄▆▆▅██ | Cost of Funds (%) | 0.94% | 0.96% | 1.08% | 1.17% | 1.17% | 1.12% | 1.22% | 1.26% |
| █▃▅█▃▂▄▁ | NPA / Assets (%) | 0.28% | 0.21% | 0.24% | 0.28% | 0.21% | 0.21% | 0.22% | 0.18% |
| ▇▃▅█▃▃▄▁ | Net Charge-Off Ratio (%) | 0.37% | 0.31% | 0.34% | 0.40% | 0.30% | 0.30% | 0.32% | 0.26% |
| ▁▁▂▄▆▆▇█ | Tang. Book Value ($M) | $17 | $17 | $18 | $18 | $19 | $19 | $20 | $20 |
| ▁▁▂▃▅▅▆█ | Gross Loans ($M) | $129 | $128 | $131 | $134 | $140 | $139 | $144 | $150 |
| ▁▃▃▄▅▆▇█ | Total Deposits ($M) | $156 | $167 | $171 | $172 | $179 | $184 | $190 | $198 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 15% |
| Agricultural | 7% |
| Consumer | 6% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 38% |
| Interest-Bearing (core) | 48% |
| Brokered / Other | 14% |