Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.67% | -0.02 | 1.69% |
| Return on Equity (%) | ▼ | 12.42% | -0.23 | 12.65% |
| Net Interest Margin (%) | ▲ | 4.59% | +0.07 | 4.52% |
| Efficiency Ratio (%) | ▼ | 63.69% | +2.42 | 61.27% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.04 | $1 |
| Cost of Funds (%) | ▲ | 1.34% | -0.08 | 1.43% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $221 | +12.88 | $208 |
| Gross Loans ($M) | ▲ | $143 | +9.93 | $133 |
| Loan Growth YoY (%) | ▲ | 73.31% | +0.64 | 72.67% |
| Total Deposits ($M) | ▲ | $191 | +11.74 | $179 |
| Shareholders Equity ($M) | ▲ | $29 | +1.20 | $28 |
| Tang. Book Value ($M) | ▲ | $29 | +1.20 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +1.43 | $30 |
| Loan / Deposit Ratio (%) | ▲ | 73.31% | +0.64 | 72.67% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.33% | -0.10 | 0.43% |
| Allowance / Loans (%) | — | 1.93% | -0.02% | 1.95% |
| Net Charge-Off Ratio (%) | ▲ | 0.48% | -0.19 | 0.67% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▆▅▆▄▇ | Net Interest Margin (%) | 4.61% | 4.64% | 4.30% | 4.52% | 4.50% | 4.54% | 4.46% | 4.59% |
| █▆▁▂▁▁▁▁ | Return on Assets (%) | 3.50% | 2.96% | 1.51% | 1.69% | 1.62% | 1.50% | 1.40% | 1.67% |
| ▁▂▇▇▇▇█▇ | Efficiency Ratio (%) | 42.8% | 48.4% | 62.7% | 61.3% | 62.9% | 64.2% | 67.2% | 63.7% |
| █▇▄▃▄▄▁▁ | Cost of Funds (%) | 1.65% | 1.60% | 1.46% | 1.43% | 1.47% | 1.47% | 1.35% | 1.34% |
| █▄▁▃▅▆▃▁ | NPA / Assets (%) | 0.62% | 0.45% | 0.33% | 0.43% | 0.51% | 0.52% | 0.44% | 0.33% |
| █▇▂▅██▅▁ | Net Charge-Off Ratio (%) | 0.79% | 0.72% | 0.53% | 0.67% | 0.77% | 0.77% | 0.65% | 0.48% |
| ▁▁▃▅▇█▇█ | Tang. Book Value ($M) | $27 | $27 | $28 | $28 | $29 | $29 | $29 | $29 |
| ▁▁▃▄▅▆▇█ | Gross Loans ($M) | $127 | $128 | $131 | $133 | $136 | $138 | $140 | $143 |
| ▂▁▃▂▄▄▇█ | Total Deposits ($M) | $179 | $176 | $181 | $179 | $183 | $183 | $187 | $191 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 7% |
| Agricultural | 2% |
| Consumer | 2% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 9% |