Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.94% | +0.48 | 1.46% |
| Return on Equity (%) | ▲ | 17.56% | +3.72 | 13.84% |
| Net Interest Margin (%) | ▲ | 4.16% | +0.53 | 3.63% |
| Efficiency Ratio (%) | ▲ | 54.70% | -5.17 | 59.87% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.69 | $2 |
| Cost of Funds (%) | ▲ | 1.29% | -0.12 | 1.42% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $580 | +13.59 | $567 |
| Gross Loans ($M) | ▲ | $350 | +7.98 | $342 |
| Loan Growth YoY (%) | ▲ | 68.47% | +0.76 | 67.70% |
| Total Deposits ($M) | ▲ | $504 | +6.08 | $498 |
| Shareholders Equity ($M) | ▲ | $64 | +2.62 | $61 |
| Tang. Book Value ($M) | ▲ | $61 | +2.62 | $59 |
| TBV excl. AOCI ($M)** | ▲ | $71 | +4.14 | $66 |
| Loan / Deposit Ratio (%) | ▲ | 68.47% | +0.76 | 67.70% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.81% | -0.21 | 1.02% |
| Allowance / Loans (%) | — | 1.37% | -0.03% | 1.39% |
| Net Charge-Off Ratio (%) | ▲ | 1.34% | -0.35 | 1.68% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -16.32 | 16.32% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▆██ | Net Interest Margin (%) | 3.20% | 3.25% | 3.59% | 3.63% | 3.70% | 3.85% | 4.11% | 4.16% |
| ▁▁▃▄▄▅██ | Return on Assets (%) | 1.12% | 1.13% | 1.42% | 1.46% | 1.50% | 1.58% | 1.88% | 1.94% |
| ██▄▄▃▂▁▁ | Efficiency Ratio (%) | 66.7% | 67.0% | 60.5% | 59.9% | 59.1% | 57.4% | 55.3% | 54.7% |
| █▇▄▃▃▃▁▁ | Cost of Funds (%) | 1.64% | 1.58% | 1.44% | 1.42% | 1.42% | 1.39% | 1.30% | 1.29% |
| ▂▁█▇█▅▁▁ | NPA / Assets (%) | 0.86% | 0.83% | 1.05% | 1.02% | 1.06% | 0.96% | 0.84% | 0.81% |
| ▂▁▇▇█▅▁▁ | Net Charge-Off Ratio (%) | 1.39% | 1.31% | 1.67% | 1.68% | 1.75% | 1.55% | 1.36% | 1.34% |
| ▃▁▃▅▇███ | Tang. Book Value ($M) | $57 | $55 | $57 | $59 | $60 | $62 | $61 | $61 |
| ▄▄█▁▁▆█▆ | Gross Loans ($M) | $347 | $347 | $354 | $342 | $343 | $350 | $354 | $350 |
| ▁▁▅▆▅▅██ | Total Deposits ($M) | $481 | $480 | $495 | $498 | $494 | $493 | $505 | $504 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 5% |
| Agricultural | 3% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 12% |