Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.55% | +0.37 | 0.18% |
| Return on Equity (%) | ▲ | 8.32% | +5.61 | 2.71% |
| Net Interest Margin (%) | ▲ | 3.81% | +0.56 | 3.25% |
| Efficiency Ratio (%) | ▲ | 79.67% | -14.26 | 93.93% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.34 | $0 |
| Cost of Funds (%) | ▲ | 2.07% | -0.29 | 2.37% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $262 | +12.23 | $249 |
| Gross Loans ($M) | ▲ | $220 | +9.79 | $210 |
| Loan Growth YoY (%) | ▲ | 93.17% | +1.67 | 91.50% |
| Total Deposits ($M) | ▲ | $235 | +6.29 | $228 |
| Shareholders Equity ($M) | ▲ | $18 | +2.08 | $16 |
| Tang. Book Value ($M) | ▲ | $18 | +2.10 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +2.15 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 93.17% | +1.67 | 91.50% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.66% | +0.38 | 0.28% |
| Allowance / Loans (%) | — | 0.74% | 0.02% | 0.72% |
| Net Charge-Off Ratio (%) | ▼ | 0.78% | +0.45 | 0.33% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 10.60% | +0.47 | 10.13% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▃▄▇█ | Net Interest Margin (%) | 3.06% | 3.07% | 3.18% | 3.25% | 3.31% | 3.39% | 3.70% | 3.81% |
| ▁▁▁▂▃▅██ | Return on Assets (%) | 0.10% | 0.07% | 0.07% | 0.18% | 0.23% | 0.35% | 0.50% | 0.55% |
| ███▇▆▄▁▁ | Efficiency Ratio (%) | 98.0% | 98.4% | 97.9% | 93.9% | 91.4% | 88.1% | 80.7% | 79.7% |
| ▇█▅▅▅▅▃▁ | Cost of Funds (%) | 2.48% | 2.56% | 2.36% | 2.37% | 2.37% | 2.35% | 2.23% | 2.07% |
| ▃▄▁▃▇▆▆█ | NPA / Assets (%) | 0.29% | 0.34% | 0.14% | 0.28% | 0.58% | 0.50% | 0.52% | 0.66% |
| ▃▄▁▃▇▆▆█ | Net Charge-Off Ratio (%) | 0.35% | 0.41% | 0.16% | 0.33% | 0.68% | 0.58% | 0.61% | 0.78% |
| ▅▁▁▁▄▅▆█ | Tang. Book Value ($M) | $17 | $16 | $16 | $16 | $16 | $17 | $17 | $18 |
| ▁▁▄▅████ | Gross Loans ($M) | $192 | $193 | $204 | $210 | $220 | $224 | $221 | $220 |
| ▁▁▄▅█▇█▆ | Total Deposits ($M) | $211 | $214 | $223 | $228 | $243 | $238 | $239 | $235 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 9% |
| Agricultural | 1% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 15% |