Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.00% | +0.16 | 0.84% |
| Return on Equity (%) | ▲ | 5.86% | +0.76 | 5.10% |
| Net Interest Margin (%) | ▲ | 4.07% | +0.24 | 3.83% |
| Efficiency Ratio (%) | ▲ | 67.33% | -1.88 | 69.21% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.08 | $0 |
| Cost of Funds (%) | ▲ | 1.64% | -0.19 | 1.83% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $115 | +5.11 | $110 |
| Gross Loans ($M) | ▼ | $73 | -2.20 | $75 |
| Loan Growth YoY (%) | ▼ | 79.26% | -9.62 | 88.88% |
| Total Deposits ($M) | ▲ | $91 | +7.27 | $83 |
| Shareholders Equity ($M) | ▲ | $20 | +1.39 | $18 |
| Tang. Book Value ($M) | ▲ | $20 | +1.39 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +1.82 | $19 |
| Loan / Deposit Ratio (%) | ▼ | 79.26% | -9.62 | 88.88% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.07% | -0.01 | 0.08% |
| Allowance / Loans (%) | — | 1.42% | 0.11% | 1.31% |
| Net Charge-Off Ratio (%) | — | 0.12% | 0.00 | 0.12% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 29.28% | +3.53 | 25.75% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▆██ | Net Interest Margin (%) | 3.74% | 3.74% | 3.79% | 3.83% | 3.90% | 3.96% | 4.05% | 4.07% |
| ▃▁▄▃██▆▆ | Return on Assets (%) | 0.81% | 0.72% | 0.89% | 0.84% | 1.09% | 1.08% | 0.98% | 1.00% |
| ▇█▄▆▁▁▄▄ | Efficiency Ratio (%) | 70.3% | 72.0% | 67.9% | 69.2% | 64.4% | 64.9% | 67.4% | 67.3% |
| ▆▇▇█▅▄▃▁ | Cost of Funds (%) | 1.78% | 1.79% | 1.79% | 1.83% | 1.74% | 1.72% | 1.70% | 1.64% |
| █▇▁▁▁▁▁▁ | NPA / Assets (%) | 0.17% | 0.16% | 0.08% | 0.08% | 0.08% | 0.07% | 0.07% | 0.07% |
| █▇▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.23% | 0.21% | 0.12% | 0.12% | 0.11% | 0.11% | 0.11% | 0.12% |
| ▁▁▂▃▆▇██ | Tang. Book Value ($M) | $18 | $17 | $18 | $18 | $19 | $19 | $19 | $20 |
| ▇█▆▄▅▄▃▁ | Gross Loans ($M) | $77 | $78 | $76 | $75 | $75 | $75 | $74 | $73 |
| ▂▁▄▂▅▇▇█ | Total Deposits ($M) | $84 | $82 | $86 | $83 | $87 | $88 | $89 | $91 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 8% |
| Agricultural | 11% |
| Consumer | 5% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 9% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 34% |