Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.24% | +0.13 | 1.11% |
| Return on Equity (%) | ▼ | 16.96% | -0.81 | 17.77% |
| Net Interest Margin (%) | ▲ | 3.39% | +0.25 | 3.14% |
| Efficiency Ratio (%) | ▲ | 65.77% | -2.67 | 68.44% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.07 | $0 |
| Cost of Funds (%) | ▲ | 0.80% | -0.02 | 0.81% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $120 | +8.33 | $111 |
| Gross Loans ($M) | ▲ | $53 | +3.19 | $50 |
| Loan Growth YoY (%) | ▼ | 47.88% | -0.09 | 47.97% |
| Total Deposits ($M) | ▲ | $110 | +6.92 | $103 |
| Shareholders Equity ($M) | ▲ | $9 | +1.33 | $8 |
| Tang. Book Value ($M) | ▲ | $9 | +1.35 | $7 |
| TBV excl. AOCI ($M)** | ▲ | $11 | +1.40 | $10 |
| Loan / Deposit Ratio (%) | ▼ | 47.88% | -0.09 | 47.97% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.05% | -0.03 | 0.07% |
| Allowance / Loans (%) | — | 1.57% | -0.18% | 1.75% |
| Net Charge-Off Ratio (%) | ▲ | 0.10% | -0.06 | 0.16% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 19.07% | +0.41 | 18.66% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▄▅▆▇█ | Net Interest Margin (%) | 2.98% | 3.04% | 3.14% | 3.14% | 3.20% | 3.26% | 3.32% | 3.39% |
| ▁▁▅▄▅▅██ | Return on Assets (%) | 1.02% | 1.02% | 1.13% | 1.11% | 1.13% | 1.15% | 1.22% | 1.24% |
| ██▅▆▅▅▁▁ | Efficiency Ratio (%) | 69.6% | 70.0% | 68.2% | 68.4% | 68.2% | 68.0% | 65.2% | 65.8% |
| █▄▁▃▁▁▁▂ | Cost of Funds (%) | 0.98% | 0.84% | 0.75% | 0.81% | 0.77% | 0.76% | 0.75% | 0.80% |
| █▁▇█▄▂▁▆ | NPA / Assets (%) | 0.07% | 0.00% | 0.06% | 0.07% | 0.03% | 0.02% | 0.00% | 0.05% |
| ▂▁██▄▂▁▆ | Net Charge-Off Ratio (%) | 0.02% | 0.00% | 0.14% | 0.16% | 0.07% | 0.04% | 0.00% | 0.10% |
| ▂▁▃▅▆███ | Tang. Book Value ($M) | $7 | $6 | $7 | $7 | $8 | $8 | $9 | $9 |
| ▄▆▁▄▇█▆█ | Gross Loans ($M) | $49 | $51 | $47 | $50 | $52 | $53 | $51 | $53 |
| ▂▁▄▁▆▆█▅ | Total Deposits ($M) | $105 | $104 | $108 | $103 | $110 | $111 | $114 | $110 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 8% |
| Agricultural | 13% |
| Consumer | 7% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 2% |