Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.89% | -0.11 | 1.00% |
| Return on Equity (%) | ▼ | 4.32% | -0.72 | 5.04% |
| Net Interest Margin (%) | ▲ | 3.30% | +0.31 | 2.99% |
| Efficiency Ratio (%) | ▲ | 56.76% | -5.61 | 62.37% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.39 | $1 |
| Cost of Funds (%) | ▲ | 1.28% | -0.07 | 1.35% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $436 | +16.10 | $420 |
| Gross Loans ($M) | ▲ | $271 | +17.45 | $253 |
| Loan Growth YoY (%) | ▲ | 83.73% | +2.79 | 80.94% |
| Total Deposits ($M) | ▲ | $319 | +9.94 | $310 |
| Shareholders Equity ($M) | ▲ | $91 | +6.03 | $84 |
| Tang. Book Value ($M) | ▲ | $90 | +6.06 | $84 |
| TBV excl. AOCI ($M)** | ▲ | $96 | +5.59 | $91 |
| Loan / Deposit Ratio (%) | ▲ | 83.73% | +2.79 | 80.94% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.89% | +1.28 | 0.61% |
| Allowance / Loans (%) | — | 1.16% | 0.11% | 1.05% |
| Net Charge-Off Ratio (%) | ▼ | 3.05% | +2.04 | 1.01% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 38.19% | -1.00 | 39.19% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▃▄▇█ | Net Interest Margin (%) | 2.84% | 2.87% | 2.88% | 2.99% | 3.01% | 3.05% | 3.21% | 3.30% |
| ▃▄▃▆█▆▃▁ | Return on Assets (%) | 0.93% | 0.97% | 0.94% | 1.00% | 1.05% | 1.01% | 0.95% | 0.89% |
| ▇▆█▇▄▄▂▁ | Efficiency Ratio (%) | 63.0% | 62.2% | 64.1% | 62.4% | 59.8% | 59.8% | 58.0% | 56.8% |
| ▅█▅▅▅▄▁▂ | Cost of Funds (%) | 1.34% | 1.42% | 1.33% | 1.35% | 1.35% | 1.33% | 1.25% | 1.28% |
| ▁▁▁▁▁▁▁█ | NPA / Assets (%) | 0.63% | 0.62% | 0.65% | 0.61% | 0.56% | 0.55% | 0.49% | 1.89% |
| ▁▁▂▁▁▁▁█ | Net Charge-Off Ratio (%) | 1.03% | 1.01% | 1.11% | 1.01% | 0.93% | 0.89% | 0.81% | 3.05% |
| ▁▁▂▃▆▇██ | Tang. Book Value ($M) | $82 | $81 | $83 | $84 | $87 | $89 | $90 | $90 |
| ▁▁▁▂▃▇▇█ | Gross Loans ($M) | $250 | $251 | $249 | $253 | $256 | $267 | $268 | $271 |
| ▁▂▄▃▃▆█▇ | Total Deposits ($M) | $301 | $304 | $312 | $310 | $310 | $317 | $324 | $319 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 12% |
| Agricultural | 2% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 9% |
| Interest-Bearing (core) | 85% |
| Brokered / Other | 6% |