Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.83% | +0.10 | 0.73% |
| Return on Equity (%) | ▲ | 5.97% | +0.14 | 5.83% |
| Net Interest Margin (%) | ▲ | 3.26% | +0.31 | 2.95% |
| Efficiency Ratio (%) | ▲ | 59.67% | -9.84 | 69.51% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.09 | $0 |
| Cost of Funds (%) | ▲ | 1.24% | -0.08 | 1.32% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $122 | +2.27 | $120 |
| Gross Loans ($M) | ▲ | $56 | +6.18 | $50 |
| Loan Growth YoY (%) | ▲ | 53.19% | +5.60 | 47.59% |
| Total Deposits ($M) | ▲ | $105 | +0.87 | $104 |
| Shareholders Equity ($M) | ▲ | $17 | +1.48 | $15 |
| Tang. Book Value ($M) | ▲ | $17 | +1.48 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +1.31 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 53.19% | +5.60 | 47.59% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.47% | +0.19 | 0.27% |
| Allowance / Loans (%) | — | 1.38% | -0.35% | 1.73% |
| Net Charge-Off Ratio (%) | ▼ | 0.95% | +0.29 | 0.66% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 22.98% | +0.29 | 22.69% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▅▆▇█ | Net Interest Margin (%) | 2.81% | 2.81% | 2.81% | 2.95% | 3.08% | 3.13% | 3.20% | 3.26% |
| ▃▁▁▆██▇█ | Return on Assets (%) | 0.61% | 0.55% | 0.52% | 0.73% | 0.82% | 0.84% | 0.77% | 0.83% |
| ▇██▅▄▃▂▁ | Efficiency Ratio (%) | 74.6% | 76.1% | 78.0% | 69.5% | 66.8% | 66.0% | 63.7% | 59.7% |
| ▂█▃▅▅▇▂▁ | Cost of Funds (%) | 1.28% | 1.40% | 1.30% | 1.32% | 1.34% | 1.37% | 1.28% | 1.24% |
| ▁▁▂▂▁▄█▅ | NPA / Assets (%) | 0.23% | 0.17% | 0.27% | 0.27% | 0.18% | 0.40% | 0.68% | 0.47% |
| ▂▁▂▂▁▄█▅ | Net Charge-Off Ratio (%) | 0.57% | 0.42% | 0.64% | 0.66% | 0.40% | 0.88% | 1.44% | 0.95% |
| ▃▁▂▄▇█▇█ | Tang. Book Value ($M) | $15 | $14 | $14 | $15 | $16 | $16 | $16 | $17 |
| ▁▁▃▄▆▆▇█ | Gross Loans ($M) | $46 | $46 | $48 | $50 | $53 | $53 | $55 | $56 |
| ▁▂▅█▇▁▄█ | Total Deposits ($M) | $97 | $98 | $101 | $104 | $103 | $97 | $100 | $105 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 62% |
| C&I / Commercial | 7% |
| Agricultural | 29% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 4% |