Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.95% | +0.34 | 1.61% |
| Return on Equity (%) | ▲ | 19.05% | +0.46 | 18.59% |
| Net Interest Margin (%) | ▲ | 4.58% | +0.55 | 4.03% |
| Efficiency Ratio (%) | ▲ | 57.57% | -5.73 | 63.31% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.37 | $1 |
| Cost of Funds (%) | ▲ | 1.05% | -0.06 | 1.11% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $293 | +12.65 | $281 |
| Gross Loans ($M) | ▲ | $198 | +15.97 | $182 |
| Loan Growth YoY (%) | ▲ | 75.46% | +2.63 | 72.83% |
| Total Deposits ($M) | ▲ | $260 | +12.62 | $247 |
| Shareholders Equity ($M) | ▲ | $30 | +3.91 | $26 |
| Tang. Book Value ($M) | ▲ | $30 | +3.91 | $26 |
| TBV excl. AOCI ($M)** | ▲ | $33 | +3.58 | $30 |
| Loan / Deposit Ratio (%) | ▲ | 75.46% | +2.63 | 72.83% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.25% | -0.41 | 0.66% |
| Allowance / Loans (%) | — | 1.02% | -0.12% | 1.14% |
| Net Charge-Off Ratio (%) | ▲ | 0.37% | -0.64 | 1.01% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 17.35% | +0.55 | 16.81% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 3.39% | 3.50% | 3.89% | 4.03% | 4.11% | 4.22% | 4.47% | 4.58% |
| ▁▁▆▇▇▇██ | Return on Assets (%) | 0.29% | 0.21% | 1.47% | 1.61% | 1.66% | 1.62% | 1.89% | 1.95% |
| ██▆▄▄▅▁▁ | Efficiency Ratio (%) | 69.3% | 69.7% | 65.4% | 63.3% | 62.9% | 63.8% | 58.9% | 57.6% |
| ▇█▄▅▅▆▁▂ | Cost of Funds (%) | 1.14% | 1.16% | 1.09% | 1.11% | 1.11% | 1.12% | 1.03% | 1.05% |
| █▄▄▃▃▂▂▁ | NPA / Assets (%) | 1.46% | 0.80% | 0.79% | 0.66% | 0.69% | 0.41% | 0.41% | 0.25% |
| █▄▄▃▃▂▂▁ | Net Charge-Off Ratio (%) | 2.22% | 1.24% | 1.25% | 1.01% | 1.02% | 0.63% | 0.62% | 0.37% |
| ▁▁▂▄▆█▇█ | Tang. Book Value ($M) | $23 | $22 | $24 | $26 | $28 | $29 | $29 | $30 |
| ▂▁▁▃▃▃▅█ | Gross Loans ($M) | $181 | $176 | $178 | $182 | $183 | $183 | $187 | $198 |
| ▃▄▆▁▇▅▆█ | Total Deposits ($M) | $251 | $252 | $256 | $247 | $257 | $254 | $256 | $260 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 64% |
| C&I / Commercial | 21% |
| Agricultural | 8% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 4% |