Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.50% | +0.34 | 1.16% |
| Return on Equity (%) | ▲ | 20.85% | +0.67 | 20.18% |
| Net Interest Margin (%) | ▲ | 3.98% | +0.32 | 3.65% |
| Efficiency Ratio (%) | ▲ | 55.70% | -0.81 | 56.51% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▲ | 1.69% | -0.30 | 1.98% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $138 | +7.08 | $131 |
| Gross Loans ($M) | ▲ | $94 | +4.26 | $90 |
| Loan Growth YoY (%) | ▲ | 72.58% | +0.16 | 72.42% |
| Total Deposits ($M) | ▲ | $128 | +5.60 | $122 |
| Shareholders Equity ($M) | ▲ | $10 | +1.53 | $8 |
| Tang. Book Value ($M) | ▲ | $10 | +1.53 | $8 |
| TBV excl. AOCI ($M)** | ▲ | $11 | +2.03 | $9 |
| Loan / Deposit Ratio (%) | ▲ | 72.58% | +0.16 | 72.42% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.17% | -0.14 | 0.31% |
| Allowance / Loans (%) | — | 1.35% | -0.06% | 1.40% |
| Net Charge-Off Ratio (%) | ▲ | 0.25% | -0.20 | 0.45% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.34% | +0.74 | 12.60% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▅▆██ | Net Interest Margin (%) | 3.36% | 3.41% | 3.47% | 3.65% | 3.73% | 3.83% | 4.04% | 3.98% |
| ▁▁▂▄▅▆▇█ | Return on Assets (%) | 0.91% | 0.93% | 1.01% | 1.16% | 1.27% | 1.28% | 1.35% | 1.50% |
| ▃▆█▃▃▇▄▁ | Efficiency Ratio (%) | 56.5% | 57.3% | 58.1% | 56.5% | 56.6% | 57.6% | 56.7% | 55.7% |
| ▆▆▅█▄▁▂▂ | Cost of Funds (%) | 1.88% | 1.87% | 1.82% | 1.98% | 1.79% | 1.60% | 1.65% | 1.69% |
| ██▆▂▂▁▁▁ | NPA / Assets (%) | 1.05% | 0.99% | 0.80% | 0.31% | 0.32% | 0.25% | 0.21% | 0.17% |
| ██▇▂▂▁▁▁ | Net Charge-Off Ratio (%) | 1.46% | 1.31% | 1.22% | 0.45% | 0.44% | 0.33% | 0.30% | 0.25% |
| ▂▁▂▄▆▇▇█ | Tang. Book Value ($M) | $7 | $7 | $7 | $8 | $9 | $9 | $9 | $10 |
| ▅█▁▂▄█▆█ | Gross Loans ($M) | $92 | $95 | $89 | $90 | $92 | $94 | $93 | $94 |
| ▁▄█▆▂▃▄█ | Total Deposits ($M) | $111 | $119 | $128 | $122 | $115 | $116 | $118 | $128 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 21% |
| Agricultural | 3% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 4% |