Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.52% | +0.45 | 1.08% |
| Return on Equity (%) | ▲ | 13.91% | +3.84 | 10.07% |
| Net Interest Margin (%) | ▲ | 4.13% | +0.04 | 4.09% |
| Efficiency Ratio (%) | ▲ | 63.36% | -3.19 | 66.54% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.03 | $1 |
| Cost of Funds (%) | ▲ | 1.35% | -0.14 | 1.49% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $161 | +3.29 | $158 |
| Gross Loans ($M) | ▲ | $90 | +3.87 | $86 |
| Loan Growth YoY (%) | ▲ | 62.37% | +1.58 | 60.80% |
| Total Deposits ($M) | ▲ | $142 | +2.66 | $140 |
| Shareholders Equity ($M) | ▲ | $18 | +0.60 | $17 |
| Tang. Book Value ($M) | ▲ | $18 | +0.60 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +1.16 | $19 |
| Loan / Deposit Ratio (%) | ▲ | 62.37% | +1.58 | 60.80% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.51% | -0.20 | 0.72% |
| Allowance / Loans (%) | — | 1.42% | -0.06% | 1.47% |
| Net Charge-Off Ratio (%) | ▲ | 0.72% | -0.18 | 0.89% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▄▁▄▇█▁▄ | Net Interest Margin (%) | 4.07% | 4.12% | 3.95% | 4.09% | 4.27% | 4.35% | 3.94% | 4.13% |
| ▄█▃▁▄▅▆▆ | Return on Assets (%) | 1.39% | 1.73% | 1.30% | 1.08% | 1.37% | 1.45% | 1.50% | 1.52% |
| ▆▂█▆▂▁▁▂ | Efficiency Ratio (%) | 66.2% | 63.1% | 68.2% | 66.5% | 62.7% | 62.2% | 61.9% | 63.4% |
| █▄▃▄▄▃▁▁ | Cost of Funds (%) | 1.73% | 1.48% | 1.46% | 1.49% | 1.49% | 1.45% | 1.33% | 1.35% |
| ▅▇█▅▅▆▃▁ | NPA / Assets (%) | 0.70% | 0.79% | 0.86% | 0.72% | 0.71% | 0.75% | 0.62% | 0.51% |
| ▄▇█▂▂▄▁▁ | Net Charge-Off Ratio (%) | 1.01% | 1.31% | 1.43% | 0.89% | 0.88% | 1.00% | 0.76% | 0.72% |
| ▁▂▃▄▅▇█▆ | Tang. Book Value ($M) | $16 | $17 | $17 | $17 | $17 | $18 | $18 | $18 |
| █▄▁▅▆▆▇█ | Gross Loans ($M) | $89 | $85 | $81 | $86 | $87 | $87 | $89 | $90 |
| ▁█▁▄▃▇█▆ | Total Deposits ($M) | $135 | $145 | $137 | $140 | $139 | $144 | $146 | $142 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 60% |
| C&I / Commercial | 21% |
| Agricultural | 15% |
| Consumer | 2% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 33% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 6% |