Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.75% | +0.06 | 0.68% |
| Return on Equity (%) | ▼ | 9.60% | -0.31 | 9.91% |
| Net Interest Margin (%) | ▲ | 3.11% | +0.36 | 2.75% |
| Efficiency Ratio (%) | ▲ | 71.82% | -2.52 | 74.34% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.04 | $0 |
| Cost of Funds (%) | ▲ | 1.45% | -0.18 | 1.64% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $136 | -2.00 | $138 |
| Gross Loans ($M) | ▼ | $83 | -0.07 | $83 |
| Loan Growth YoY (%) | ▼ | 67.87% | -0.95 | 68.82% |
| Total Deposits ($M) | ▲ | $121 | +1.46 | $119 |
| Shareholders Equity ($M) | ▲ | $11 | +1.30 | $10 |
| Tang. Book Value ($M) | ▲ | $11 | +1.30 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $13 | +1.46 | $12 |
| Loan / Deposit Ratio (%) | ▼ | 67.87% | -0.95 | 68.82% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.57% | -0.03 | 0.60% |
| Allowance / Loans (%) | — | 1.05% | 0.08% | 0.97% |
| Net Charge-Off Ratio (%) | ▲ | 0.84% | -0.13 | 0.96% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.10% | +1.07 | 15.03% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▄▅▅▇█ | Net Interest Margin (%) | 2.53% | 2.61% | 2.74% | 2.75% | 2.84% | 2.88% | 3.00% | 3.11% |
| ▁▁▄▆▇▆█▇ | Return on Assets (%) | 0.29% | 0.34% | 0.52% | 0.68% | 0.72% | 0.65% | 0.85% | 0.75% |
| ██▄▃▂▃▁▂ | Efficiency Ratio (%) | 88.8% | 86.8% | 77.1% | 74.3% | 73.1% | 74.1% | 67.9% | 71.8% |
| █▇▅▅▅▄▁▁ | Cost of Funds (%) | 1.80% | 1.72% | 1.63% | 1.64% | 1.65% | 1.59% | 1.45% | 1.45% |
| █▃▃▃▁▂▂▂ | NPA / Assets (%) | 0.84% | 0.61% | 0.60% | 0.60% | 0.50% | 0.59% | 0.57% | 0.57% |
| █▅▄▄▁▄▂▁ | Net Charge-Off Ratio (%) | 1.17% | 0.99% | 0.97% | 0.96% | 0.79% | 0.95% | 0.88% | 0.84% |
| ▂▁▂▄▇███ | Tang. Book Value ($M) | $9 | $9 | $9 | $10 | $10 | $11 | $11 | $11 |
| ▁▂▃▆██▇▆ | Gross Loans ($M) | $80 | $80 | $81 | $83 | $83 | $84 | $83 | $83 |
| ▁▃▂▅▅▇█▆ | Total Deposits ($M) | $112 | $116 | $115 | $119 | $119 | $122 | $124 | $121 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 3% |
| Agricultural | 7% |
| Consumer | 7% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 13% |