Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.61% | +0.05 | 1.56% |
| Return on Equity (%) | ▼ | 16.43% | -1.65 | 18.08% |
| Net Interest Margin (%) | ▲ | 4.17% | +0.15 | 4.02% |
| Efficiency Ratio (%) | ▼ | 62.50% | +0.13 | 62.37% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.07 | $1 |
| Cost of Funds (%) | ▲ | 0.83% | -0.01 | 0.84% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $270 | +2.88 | $267 |
| Gross Loans ($M) | ▲ | $185 | +10.78 | $174 |
| Loan Growth YoY (%) | ▲ | 75.59% | +4.59 | 71.00% |
| Total Deposits ($M) | ▼ | $243 | -0.70 | $243 |
| Shareholders Equity ($M) | ▲ | $27 | +3.72 | $23 |
| Tang. Book Value ($M) | ▲ | $27 | +3.72 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $30 | +3.51 | $27 |
| Loan / Deposit Ratio (%) | ▲ | 75.59% | +4.59 | 71.00% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.56% | +0.48 | 0.08% |
| Allowance / Loans (%) | — | 1.02% | 0.01% | 1.00% |
| Net Charge-Off Ratio (%) | ▼ | 0.61% | +0.49 | 0.12% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.26% | -0.46 | 15.71% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▇▇▇▇█ | Net Interest Margin (%) | 3.44% | 3.56% | 3.98% | 4.02% | 4.00% | 4.01% | 4.07% | 4.17% |
| ▁▂▇█▇▇▇█ | Return on Assets (%) | 1.18% | 1.29% | 1.53% | 1.56% | 1.55% | 1.54% | 1.55% | 1.61% |
| █▆▄▂▂▁▄▃ | Efficiency Ratio (%) | 65.2% | 63.9% | 63.0% | 62.4% | 62.1% | 61.5% | 62.9% | 62.5% |
| █▄▁▂▁▃▁▁ | Cost of Funds (%) | 1.01% | 0.89% | 0.81% | 0.84% | 0.82% | 0.87% | 0.82% | 0.83% |
| ▁▁▁▂▁███ | NPA / Assets (%) | 0.05% | 0.05% | 0.05% | 0.08% | 0.00% | 0.56% | 0.61% | 0.56% |
| ▁▁▁▂▁█▄▆ | Net Charge-Off Ratio (%) | 0.08% | 0.08% | 0.08% | 0.12% | 0.00% | 0.81% | 0.33% | 0.61% |
| ▃▁▃▃▆███ | Tang. Book Value ($M) | $24 | $22 | $24 | $23 | $26 | $27 | $27 | $27 |
| ▁▄▃▃▄█▅▇ | Gross Loans ($M) | $167 | $176 | $175 | $174 | $178 | $190 | $179 | $185 |
| ▄▁▃▂█▅▅▂ | Total Deposits ($M) | $248 | $238 | $245 | $243 | $261 | $250 | $252 | $243 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 4% |
| Agricultural | 5% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 8% |