Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.20% | +0.19 | 1.01% |
| Return on Equity (%) | ▲ | 9.65% | +0.30 | 9.35% |
| Net Interest Margin (%) | ▲ | 3.53% | +0.38 | 3.14% |
| Efficiency Ratio (%) | ▲ | 61.61% | -3.82 | 65.43% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $1 |
| Cost of Funds (%) | ▲ | 0.72% | -0.02 | 0.74% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $234 | +0.41 | $234 |
| Gross Loans ($M) | ▲ | $105 | +10.80 | $95 |
| Loan Growth YoY (%) | ▲ | 50.76% | +5.78 | 44.98% |
| Total Deposits ($M) | ▼ | $204 | -2.42 | $206 |
| Shareholders Equity ($M) | ▲ | $29 | +3.13 | $26 |
| Tang. Book Value ($M) | ▲ | $29 | +3.13 | $26 |
| TBV excl. AOCI ($M)** | ▲ | $35 | +2.91 | $32 |
| Loan / Deposit Ratio (%) | ▲ | 50.76% | +5.78 | 44.98% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.35% | -0.15 | 1.50% |
| Allowance / Loans (%) | — | 1.86% | -0.11% | 1.97% |
| Net Charge-Off Ratio (%) | ▲ | 3.00% | -0.70 | 3.70% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 31.95% | -0.56 | 32.51% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▅▆▇█ | Net Interest Margin (%) | 2.73% | 2.82% | 3.02% | 3.14% | 3.19% | 3.26% | 3.33% | 3.53% |
| ▁▁▂▃▄▅▅█ | Return on Assets (%) | 0.92% | 0.90% | 0.95% | 1.01% | 1.03% | 1.06% | 1.07% | 1.20% |
| ██▆▄▄▁▃▁ | Efficiency Ratio (%) | 69.4% | 69.4% | 67.1% | 65.4% | 64.9% | 61.5% | 63.5% | 61.6% |
| █▆▃▁▁▃▁▁ | Cost of Funds (%) | 0.94% | 0.87% | 0.79% | 0.74% | 0.74% | 0.80% | 0.73% | 0.72% |
| ██▃▆▇▄▄▁ | NPA / Assets (%) | 1.53% | 1.56% | 1.43% | 1.50% | 1.52% | 1.45% | 1.44% | 1.35% |
| █▇▅▆▆▃▄▁ | Net Charge-Off Ratio (%) | 4.02% | 3.83% | 3.55% | 3.70% | 3.69% | 3.32% | 3.39% | 3.00% |
| ▄▁▃▄▇███ | Tang. Book Value ($M) | $26 | $24 | $26 | $26 | $28 | $29 | $29 | $29 |
| ▁▁▁▁▄▇▆█ | Gross Loans ($M) | $93 | $95 | $94 | $95 | $99 | $103 | $101 | $105 |
| ▆▃█▃█▂▅▁ | Total Deposits ($M) | $208 | $206 | $210 | $206 | $210 | $205 | $207 | $204 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 87% |
| C&I / Commercial | 6% |
| Agricultural | 1% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 4% |