Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.20% | +0.22 | 0.98% |
| Return on Equity (%) | ▲ | 17.57% | +2.15 | 15.42% |
| Net Interest Margin (%) | ▲ | 3.97% | +0.36 | 3.61% |
| Efficiency Ratio (%) | ▲ | 65.53% | -5.78 | 71.31% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.12 | $0 |
| Cost of Funds (%) | ▲ | 1.49% | -0.18 | 1.67% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $129 | +9.19 | $120 |
| Gross Loans ($M) | ▲ | $87 | +6.97 | $80 |
| Loan Growth YoY (%) | ▲ | 71.61% | +0.94 | 70.66% |
| Total Deposits ($M) | ▲ | $120 | +8.20 | $112 |
| Shareholders Equity ($M) | ▲ | $9 | +0.95 | $8 |
| Tang. Book Value ($M) | ▲ | $9 | +0.95 | $8 |
| TBV excl. AOCI ($M)** | ▲ | $10 | +0.80 | $9 |
| Loan / Deposit Ratio (%) | ▲ | 71.61% | +0.94 | 70.66% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.81% | +0.37 | 0.44% |
| Allowance / Loans (%) | — | 1.05% | -0.03% | 1.08% |
| Net Charge-Off Ratio (%) | ▼ | 1.02% | +0.35 | 0.67% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.27% | -0.09 | 12.37% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆▇█ | Net Interest Margin (%) | 3.30% | 3.37% | 3.52% | 3.61% | 3.65% | 3.74% | 3.86% | 3.97% |
| ▁▁▃▅▄▅██ | Return on Assets (%) | 0.72% | 0.78% | 0.88% | 0.98% | 0.95% | 1.00% | 1.16% | 1.20% |
| ██▅▄▅▄▁▁ | Efficiency Ratio (%) | 78.1% | 76.6% | 73.1% | 71.3% | 72.0% | 70.6% | 66.4% | 65.5% |
| ▇█▆█▄▂▁▁ | Cost of Funds (%) | 1.65% | 1.69% | 1.62% | 1.67% | 1.58% | 1.53% | 1.50% | 1.49% |
| ▅▁▁▅▄▄▃█ | NPA / Assets (%) | 0.49% | 0.05% | 0.06% | 0.44% | 0.43% | 0.41% | 0.28% | 0.81% |
| ▆▁▁▅▄▃▂█ | Net Charge-Off Ratio (%) | 0.77% | 0.09% | 0.09% | 0.67% | 0.46% | 0.43% | 0.21% | 1.02% |
| ▃▁▂▄▆▆██ | Tang. Book Value ($M) | $8 | $7 | $7 | $8 | $8 | $8 | $9 | $9 |
| ▁▁▂▄▅▆▆█ | Gross Loans ($M) | $74 | $74 | $76 | $80 | $82 | $82 | $83 | $87 |
| ▁▃▃▃▇█▆█ | Total Deposits ($M) | $107 | $111 | $111 | $112 | $117 | $119 | $116 | $120 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 63% |
| C&I / Commercial | 13% |
| Agricultural | 9% |
| Consumer | 14% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 7% |