Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.74% | +0.08 | 1.66% |
| Return on Equity (%) | ▲ | 18.43% | +1.22 | 17.21% |
| Net Interest Margin (%) | ▲ | 6.56% | +0.45 | 6.11% |
| Efficiency Ratio (%) | ▲ | 65.94% | -0.11 | 66.04% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.13 | $1 |
| Cost of Funds (%) | ▲ | 1.17% | -0.15 | 1.32% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $113 | +9.88 | $103 |
| Gross Loans ($M) | ▲ | $82 | +11.70 | $71 |
| Loan Growth YoY (%) | ▲ | 88.66% | +11.30 | 77.36% |
| Total Deposits ($M) | ▲ | $92 | +1.69 | $90 |
| Shareholders Equity ($M) | ▲ | $10 | +0.13 | $10 |
| Tang. Book Value ($M) | ▲ | $10 | +0.13 | $10 |
| Loan / Deposit Ratio (%) | ▲ | 88.66% | +11.30 | 77.36% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.20% | -0.01 | 0.21% |
| Allowance / Loans (%) | — | 1.07% | -0.12% | 1.19% |
| Net Charge-Off Ratio (%) | ▲ | 0.27% | -0.04 | 0.31% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -16.50 | 16.50% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▃▁▂▂▄▇█ | Net Interest Margin (%) | 6.04% | 6.18% | 6.00% | 6.11% | 6.13% | 6.26% | 6.44% | 6.56% |
| ▁▂█▆▄▄▅█ | Return on Assets (%) | 1.41% | 1.48% | 1.77% | 1.66% | 1.56% | 1.56% | 1.61% | 1.74% |
| █▇▁▂▄▅▆▂ | Efficiency Ratio (%) | 69.4% | 68.7% | 65.1% | 66.0% | 67.1% | 67.4% | 68.1% | 65.9% |
| ██▅▅▅▄▄▁ | Cost of Funds (%) | 1.44% | 1.43% | 1.33% | 1.32% | 1.31% | 1.30% | 1.27% | 1.17% |
| █▅▁▁▆▅▁▁ | NPA / Assets (%) | 1.00% | 0.60% | 0.21% | 0.21% | 0.79% | 0.62% | 0.19% | 0.20% |
| █▆▁▂█▆▁▂ | Net Charge-Off Ratio (%) | 1.19% | 0.83% | 0.14% | 0.31% | 1.20% | 0.86% | 0.26% | 0.27% |
| ▃▁▃▆█▁▄▇ | Tang. Book Value ($M) | $10 | $9 | $10 | $10 | $11 | $10 | $10 | $10 |
| ▄▃▁▁▁▃▃█ | Gross Loans ($M) | $75 | $74 | $69 | $71 | $70 | $73 | $73 | $82 |
| ▂▃▅▄▇▁█▆ | Total Deposits ($M) | $89 | $90 | $91 | $90 | $92 | $88 | $93 | $92 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 6% |
| Agricultural | 4% |
| Consumer | 4% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 35% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 8% |