Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.85% | -0.01 | 1.87% |
| Return on Equity (%) | ▼ | 20.90% | -1.33 | 22.23% |
| Net Interest Margin (%) | ▲ | 4.36% | +0.08 | 4.28% |
| Efficiency Ratio (%) | ▲ | 52.88% | -4.13 | 57.01% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.31 | $1 |
| Cost of Funds (%) | ▲ | 1.14% | -0.24 | 1.38% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $270 | +20.08 | $249 |
| Gross Loans ($M) | ▲ | $137 | +7.01 | $130 |
| Loan Growth YoY (%) | ▼ | 55.41% | -1.44 | 56.85% |
| Total Deposits ($M) | ▲ | $241 | +17.50 | $224 |
| Shareholders Equity ($M) | ▲ | $24 | +3.42 | $20 |
| Tang. Book Value ($M) | ▲ | $24 | +3.42 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +3.58 | $23 |
| Loan / Deposit Ratio (%) | ▼ | 55.41% | -1.44 | 56.85% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.08% | -0.47 | 0.55% |
| Allowance / Loans (%) | — | 2.53% | 0.27% | 2.27% |
| Net Charge-Off Ratio (%) | ▲ | 0.16% | -0.90 | 1.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 20.57% | +0.75 | 19.82% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▇▇▁▅▇█▅▇ | Net Interest Margin (%) | 4.35% | 4.32% | 4.08% | 4.28% | 4.35% | 4.40% | 4.25% | 4.36% |
| ██▁▃▃▃▂▂ | Return on Assets (%) | 1.99% | 1.98% | 1.82% | 1.87% | 1.88% | 1.88% | 1.86% | 1.85% |
| ▃▃▆█▅▄▃▁ | Efficiency Ratio (%) | 54.1% | 53.9% | 55.9% | 57.0% | 55.0% | 54.8% | 54.2% | 52.9% |
| █▇▅▅▅▄▂▁ | Cost of Funds (%) | 1.53% | 1.48% | 1.39% | 1.38% | 1.38% | 1.30% | 1.19% | 1.14% |
| ▁▃▆▆▅█▄▁ | NPA / Assets (%) | 0.16% | 0.30% | 0.64% | 0.55% | 0.55% | 0.83% | 0.40% | 0.08% |
| ▁▃▇▆▅█▄▁ | Net Charge-Off Ratio (%) | 0.29% | 0.58% | 1.27% | 1.06% | 1.01% | 1.51% | 0.76% | 0.16% |
| ▃▁▂▂▅▇▇█ | Tang. Book Value ($M) | $21 | $19 | $20 | $20 | $22 | $23 | $23 | $24 |
| ▁▁▁▄▇█▇▇ | Gross Loans ($M) | $121 | $119 | $120 | $130 | $137 | $141 | $137 | $137 |
| ▁▂▄▅▆▆▇█ | Total Deposits ($M) | $195 | $205 | $214 | $224 | $225 | $228 | $235 | $241 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 14% |
| Agricultural | 1% |
| Consumer | 5% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 31% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 11% |