Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.12% | -0.07 | 2.19% |
| Return on Equity (%) | ▼ | 17.12% | -1.61 | 18.73% |
| Net Interest Margin (%) | ▼ | 4.58% | -0.08 | 4.66% |
| Efficiency Ratio (%) | ▼ | 55.68% | +1.02 | 54.66% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▼ | 0.84% | +0.11 | 0.72% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $182 | +8.52 | $174 |
| Gross Loans ($M) | ▲ | $137 | +3.49 | $133 |
| Loan Growth YoY (%) | ▼ | 85.28% | -1.10 | 86.37% |
| Total Deposits ($M) | ▲ | $158 | +6.04 | $152 |
| Shareholders Equity ($M) | ▲ | $24 | +2.52 | $21 |
| Tang. Book Value ($M) | ▲ | $24 | +2.52 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +2.53 | $22 |
| Loan / Deposit Ratio (%) | ▼ | 85.28% | -1.10 | 86.37% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.54% | -0.21 | 0.75% |
| Allowance / Loans (%) | — | 1.31% | -0.02% | 1.33% |
| Net Charge-Off Ratio (%) | ▲ | 0.72% | -0.26 | 0.98% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 18.80% | +2.15 | 16.66% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▃▅█▇█▁▆ | Net Interest Margin (%) | 4.40% | 4.46% | 4.54% | 4.66% | 4.62% | 4.62% | 4.37% | 4.58% |
| ▁▂█▇▆▅▁▄ | Return on Assets (%) | 2.05% | 2.07% | 2.22% | 2.19% | 2.16% | 2.14% | 2.03% | 2.12% |
| ▆█▁▅▆▆██ | Efficiency Ratio (%) | 55.2% | 56.0% | 53.0% | 54.7% | 55.0% | 55.0% | 56.0% | 55.7% |
| ▁▃▁▃▃█▇▇ | Cost of Funds (%) | 0.66% | 0.73% | 0.66% | 0.72% | 0.74% | 0.89% | 0.86% | 0.84% |
| ▂▄█▅▅▄▁▂ | NPA / Assets (%) | 0.51% | 0.72% | 1.11% | 0.75% | 0.80% | 0.67% | 0.36% | 0.54% |
| ▂▄█▄▅▄▁▂ | Net Charge-Off Ratio (%) | 0.71% | 0.94% | 1.53% | 0.98% | 1.11% | 0.92% | 0.51% | 0.72% |
| ▁▁▂▃▅▆██ | Tang. Book Value ($M) | $20 | $20 | $20 | $21 | $22 | $22 | $23 | $24 |
| ▁▂▄▆▇█▅█ | Gross Loans ($M) | $126 | $128 | $131 | $133 | $135 | $137 | $133 | $137 |
| ▂▁▅▂██▇▅ | Total Deposits ($M) | $152 | $149 | $159 | $152 | $166 | $166 | $163 | $158 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 71% |
| C&I / Commercial | 20% |
| Agricultural | 4% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 36% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 3% |