Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.85% | +0.08 | 0.77% |
| Return on Equity (%) | ▲ | 8.73% | +0.30 | 8.43% |
| Net Interest Margin (%) | ▲ | 2.90% | +0.19 | 2.72% |
| Efficiency Ratio (%) | ▲ | 58.23% | -2.14 | 60.37% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $1 |
| Cost of Funds (%) | ▼ | 2.48% | +0.04 | 2.44% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $207 | +11.27 | $196 |
| Gross Loans ($M) | ▲ | $163 | +9.32 | $154 |
| Loan Growth YoY (%) | ▲ | 87.31% | +0.95 | 86.35% |
| Total Deposits ($M) | ▲ | $185 | +8.38 | $177 |
| Shareholders Equity ($M) | ▲ | $20 | +1.89 | $18 |
| Tang. Book Value ($M) | ▲ | $20 | +1.89 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $22 | +2.01 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 87.31% | +0.95 | 86.35% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.67% | -0.13 | 1.80% |
| Allowance / Loans (%) | — | 0.99% | 0.15% | 0.84% |
| Net Charge-Off Ratio (%) | ▲ | 2.12% | -0.17 | 2.29% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.33% | +0.18 | 15.15% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▅▇▇▇█ | Net Interest Margin (%) | 2.42% | 2.52% | 2.77% | 2.72% | 2.78% | 2.82% | 2.82% | 2.90% |
| ▁▂█▆▇▇██ | Return on Assets (%) | 0.55% | 0.62% | 0.83% | 0.77% | 0.79% | 0.80% | 0.82% | 0.85% |
| █▇▁▂▁▁▁▁ | Efficiency Ratio (%) | 69.5% | 66.8% | 59.2% | 60.4% | 59.3% | 58.9% | 59.1% | 58.2% |
| ▁▇█▆█▄▆█ | Cost of Funds (%) | 2.37% | 2.45% | 2.47% | 2.44% | 2.47% | 2.42% | 2.44% | 2.48% |
| ▁▁▁█████ | NPA / Assets (%) | 0.47% | 0.63% | 0.53% | 1.80% | 1.82% | 1.72% | 1.71% | 1.67% |
| ▁▁▁█████ | Net Charge-Off Ratio (%) | 0.60% | 0.78% | 0.67% | 2.29% | 2.30% | 2.25% | 2.19% | 2.12% |
| ▁▁▂▄▅▇▇█ | Tang. Book Value ($M) | $17 | $17 | $18 | $18 | $19 | $20 | $20 | $20 |
| ▁▅▄▅▅▅▇█ | Gross Loans ($M) | $141 | $155 | $152 | $154 | $154 | $153 | $158 | $163 |
| ▁▃▅▆▅▆██ | Total Deposits ($M) | $159 | $167 | $173 | $177 | $173 | $179 | $182 | $185 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 14% |
| Agricultural | 1% |
| Consumer | 2% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 9% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 16% |