Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.56% | +0.06 | 1.50% |
| Return on Equity (%) | ▲ | 19.78% | +0.71 | 19.07% |
| Net Interest Margin (%) | ▲ | 4.14% | +0.09 | 4.05% |
| Efficiency Ratio (%) | ▼ | 61.14% | +0.62 | 60.51% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.35 | $2 |
| Cost of Funds (%) | ▲ | 1.85% | -0.17 | 2.02% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $545 | +67.02 | $478 |
| Gross Loans ($M) | ▲ | $432 | +52.14 | $380 |
| Loan Growth YoY (%) | ▲ | 90.23% | +1.99 | 88.24% |
| Total Deposits ($M) | ▲ | $473 | +47.80 | $425 |
| Shareholders Equity ($M) | ▲ | $42 | +3.71 | $38 |
| Tang. Book Value ($M) | ▲ | $42 | +3.55 | $38 |
| TBV excl. AOCI ($M)** | ▲ | $45 | +3.62 | $41 |
| Loan / Deposit Ratio (%) | ▲ | 90.23% | +1.99 | 88.24% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.07% | -0.35 | 0.43% |
| Allowance / Loans (%) | — | 1.25% | -0.03% | 1.28% |
| Net Charge-Off Ratio (%) | ▲ | 0.03% | -0.50 | 0.54% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 10.03% | -0.27 | 10.30% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▆██▅█ | Net Interest Margin (%) | 3.89% | 3.90% | 3.99% | 4.05% | 4.12% | 4.14% | 4.01% | 4.14% |
| ▁▁▇▆██▇█ | Return on Assets (%) | 1.30% | 1.31% | 1.53% | 1.50% | 1.55% | 1.59% | 1.54% | 1.56% |
| ██▁▂▁▁▄▃ | Efficiency Ratio (%) | 64.5% | 64.2% | 59.7% | 60.5% | 60.1% | 60.0% | 61.7% | 61.1% |
| ▇▄▅▆█▇▃▁ | Cost of Funds (%) | 2.04% | 1.97% | 1.99% | 2.02% | 2.09% | 2.05% | 1.93% | 1.85% |
| █▇▇▇▆▅▆▁ | NPA / Assets (%) | 0.50% | 0.44% | 0.43% | 0.43% | 0.37% | 0.33% | 0.35% | 0.07% |
| █▇▇▇▆▆▅▁ | Net Charge-Off Ratio (%) | 0.66% | 0.58% | 0.55% | 0.54% | 0.46% | 0.42% | 0.39% | 0.03% |
| ▂▁▃▄▆▇██ | Tang. Book Value ($M) | $37 | $35 | $37 | $38 | $40 | $41 | $41 | $42 |
| ▁▂▃▄▅▆▆█ | Gross Loans ($M) | $334 | $352 | $367 | $380 | $396 | $402 | $399 | $432 |
| ▁▂▁▄▅▇██ | Total Deposits ($M) | $393 | $410 | $399 | $425 | $441 | $458 | $470 | $473 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 16% |
| Agricultural | 13% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 6% |