Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.23% | +0.05 | 1.18% |
| Return on Equity (%) | ▲ | 13.28% | +0.55 | 12.73% |
| Net Interest Margin (%) | ▲ | 4.61% | +0.20 | 4.41% |
| Efficiency Ratio (%) | ▲ | 60.33% | -0.60 | 60.93% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.08 | $2 |
| Cost of Funds (%) | ▲ | 1.41% | -0.13 | 1.53% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $364 | +17.89 | $346 |
| Gross Loans ($M) | ▲ | $281 | +20.19 | $260 |
| Loan Growth YoY (%) | ▲ | 85.33% | +1.95 | 83.39% |
| Total Deposits ($M) | ▲ | $325 | +16.43 | $309 |
| Shareholders Equity ($M) | ▲ | $35 | +1.21 | $33 |
| Tang. Book Value ($M) | ▲ | $33 | +1.45 | $31 |
| TBV excl. AOCI ($M)** | ▲ | $35 | +1.36 | $33 |
| Loan / Deposit Ratio (%) | ▲ | 85.33% | +1.95 | 83.39% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.53% | +0.08 | 0.46% |
| Allowance / Loans (%) | — | 1.17% | -0.03% | 1.20% |
| Net Charge-Off Ratio (%) | ▲ | 0.19% | -0.42 | 0.61% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 11.97% | -0.23 | 12.20% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▄▅▅▆█ | Net Interest Margin (%) | 4.30% | 4.30% | 4.28% | 4.41% | 4.46% | 4.48% | 4.53% | 4.61% |
| ▂▁▂▅▆▅▅█ | Return on Assets (%) | 1.12% | 1.10% | 1.13% | 1.18% | 1.20% | 1.18% | 1.17% | 1.23% |
| ▅▇█▄▁▁▄▂ | Efficiency Ratio (%) | 61.4% | 62.3% | 63.1% | 60.9% | 59.5% | 59.4% | 60.8% | 60.3% |
| ▆▇▁▆██▄▂ | Cost of Funds (%) | 1.51% | 1.55% | 1.38% | 1.53% | 1.57% | 1.59% | 1.48% | 1.41% |
| ▁█▇▇████ | NPA / Assets (%) | 0.14% | 0.49% | 0.48% | 0.46% | 0.49% | 0.52% | 0.49% | 0.53% |
| ▂███▁▁▁▂ | Net Charge-Off Ratio (%) | 0.20% | 0.62% | 0.66% | 0.61% | 0.12% | 0.14% | 0.11% | 0.19% |
| ▅▁▃▆▅▄▆█ | Tang. Book Value ($M) | $31 | $29 | $30 | $31 | $31 | $31 | $31 | $33 |
| ▁▅▄▄▅███ | Gross Loans ($M) | $244 | $263 | $262 | $260 | $265 | $276 | $279 | $281 |
| ▃▁▇▃▆▇██ | Total Deposits ($M) | $307 | $299 | $321 | $309 | $318 | $320 | $323 | $325 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 12% |
| Agricultural | 2% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 59% |
| Brokered / Other | 18% |