Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.69% | +0.15 | 0.54% |
| Return on Equity (%) | ▲ | 5.82% | +1.23 | 4.59% |
| Net Interest Margin (%) | ▼ | 4.30% | -0.08 | 4.38% |
| Efficiency Ratio (%) | ▲ | 79.88% | -3.11 | 82.98% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.07 | $0 |
| Cost of Funds (%) | ▲ | 1.05% | -0.12 | 1.18% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $165 | +12.78 | $153 |
| Gross Loans ($M) | ▲ | $97 | +7.60 | $89 |
| Loan Growth YoY (%) | ▼ | 65.87% | -2.81 | 68.67% |
| Total Deposits ($M) | ▲ | $145 | +17.00 | $128 |
| Shareholders Equity ($M) | ▲ | $20 | +1.65 | $18 |
| Tang. Book Value ($M) | ▲ | $20 | +1.65 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $22 | +1.63 | $21 |
| Loan / Deposit Ratio (%) | ▼ | 65.87% | -2.81 | 68.67% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.02% | -1.97 | 1.98% |
| Allowance / Loans (%) | — | 1.30% | -0.12% | 1.42% |
| Net Charge-Off Ratio (%) | ▲ | 0.03% | -1.66 | 1.69% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 26.00% | -0.14 | 26.15% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▆▃██▇▁▆ | Net Interest Margin (%) | 4.28% | 4.30% | 4.22% | 4.38% | 4.37% | 4.33% | 4.16% | 4.30% |
| █▆▁▃▃▃▅▆ | Return on Assets (%) | 0.80% | 0.68% | 0.41% | 0.54% | 0.54% | 0.55% | 0.64% | 0.69% |
| ▁▅█▇▇█▅▄ | Efficiency Ratio (%) | 77.1% | 81.6% | 84.4% | 83.0% | 83.2% | 84.2% | 81.7% | 79.9% |
| ██▇▅▂▄▁▁ | Cost of Funds (%) | 1.32% | 1.32% | 1.28% | 1.18% | 1.09% | 1.16% | 1.02% | 1.05% |
| ▄▇██▆▄▂▁ | NPA / Assets (%) | 0.91% | 1.78% | 2.05% | 1.98% | 1.41% | 1.03% | 0.35% | 0.02% |
| ▇███▇▄▁▁ | Net Charge-Off Ratio (%) | 1.68% | 1.92% | 1.87% | 1.69% | 1.62% | 0.88% | 0.03% | 0.03% |
| ▅▁▃▄▇▇▇█ | Tang. Book Value ($M) | $19 | $17 | $18 | $18 | $19 | $19 | $19 | $20 |
| ▁▁▂▅▇▇██ | Gross Loans ($M) | $79 | $81 | $83 | $89 | $93 | $93 | $95 | $97 |
| ▁▂▃▁▅▃█▇ | Total Deposits ($M) | $127 | $131 | $132 | $128 | $137 | $133 | $147 | $145 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 1% |
| Agricultural | 2% |
| Consumer | 14% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 39% |
| Interest-Bearing (core) | 52% |
| Brokered / Other | 9% |