Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.60% | -0.04 | 0.64% |
| Return on Equity (%) | ▼ | 3.31% | -0.49 | 3.80% |
| Net Interest Margin (%) | ▲ | 5.24% | +0.41 | 4.83% |
| Efficiency Ratio (%) | ▼ | 82.05% | +3.75 | 78.30% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.09 | $0 |
| Cost of Funds (%) | ▲ | 0.75% | -0.09 | 0.84% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $117 | -1.54 | $119 |
| Gross Loans ($M) | ▲ | $89 | +3.70 | $85 |
| Loan Growth YoY (%) | ▲ | 93.18% | +5.95 | 87.22% |
| Total Deposits ($M) | ▼ | $95 | -2.37 | $97 |
| Shareholders Equity ($M) | ▲ | $21 | +0.92 | $20 |
| Tang. Book Value ($M) | ▲ | $17 | +0.94 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 93.18% | +5.95 | 87.22% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.58% | -0.33 | 0.91% |
| Allowance / Loans (%) | — | 0.84% | 0.11% | 0.74% |
| Net Charge-Off Ratio (%) | ▲ | 0.76% | -0.39 | 1.15% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 24.82% | +0.19 | 24.64% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆██ | Net Interest Margin (%) | 4.48% | 4.53% | 4.70% | 4.83% | 4.90% | 4.98% | 5.22% | 5.24% |
| ▁▃▂▃▅█▂▁ | Return on Assets (%) | 0.62% | 0.64% | 0.62% | 0.64% | 0.69% | 0.76% | 0.63% | 0.60% |
| ▅▅▆▃▂▁▇█ | Efficiency Ratio (%) | 79.5% | 79.7% | 80.4% | 78.3% | 77.6% | 76.7% | 81.2% | 82.1% |
| █▆▇▆▆▄▁▁ | Cost of Funds (%) | 0.87% | 0.84% | 0.84% | 0.84% | 0.83% | 0.80% | 0.74% | 0.75% |
| ▁▁█▇▆█▇▄ | NPA / Assets (%) | 0.32% | 0.33% | 1.00% | 0.91% | 0.82% | 0.93% | 0.90% | 0.58% |
| ▁▁█▇▆▇▇▃ | Net Charge-Off Ratio (%) | 0.49% | 0.50% | 1.36% | 1.15% | 1.10% | 1.21% | 1.16% | 0.76% |
| █▁▁▁▁▂▃▃ | Tang. Book Value ($M) | $18 | $16 | $16 | $16 | $16 | $16 | $16 | $17 |
| ▁▂▃▅▆██▇ | Gross Loans ($M) | $79 | $82 | $83 | $85 | $87 | $90 | $91 | $89 |
| ▄▇█▅▃▁▂▂ | Total Deposits ($M) | $97 | $99 | $100 | $97 | $96 | $94 | $95 | $95 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 6% |
| Agricultural | 4% |
| Consumer | 16% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 85% |
| Brokered / Other | 2% |