Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.91% | +0.33 | 0.58% |
| Return on Equity (%) | ▲ | 15.77% | +1.88 | 13.89% |
| Net Interest Margin (%) | ▲ | 3.48% | +0.37 | 3.11% |
| Efficiency Ratio (%) | ▲ | 66.67% | -7.77 | 74.44% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.23 | $1 |
| Cost of Funds (%) | ▲ | 1.45% | -0.48 | 1.93% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $244 | -2.72 | $247 |
| Gross Loans ($M) | ▲ | $137 | +2.06 | $135 |
| Loan Growth YoY (%) | ▲ | 59.83% | +2.19 | 57.64% |
| Total Deposits ($M) | ▼ | $227 | -5.00 | $232 |
| Shareholders Equity ($M) | ▲ | $14 | +2.87 | $11 |
| Tang. Book Value ($M) | ▲ | $14 | +2.87 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +2.61 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 59.83% | +2.19 | 57.64% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.25% | -0.01 | 0.25% |
| Allowance / Loans (%) | — | 0.84% | -0.04% | 0.88% |
| Net Charge-Off Ratio (%) | ▲ | 0.36% | -0.08 | 0.44% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.83% | +1.11 | 12.72% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▁▂▃▄▇█ | Net Interest Margin (%) | 3.13% | 3.14% | 3.05% | 3.11% | 3.17% | 3.26% | 3.39% | 3.48% |
| ▆▄▁▁▂▃▇█ | Return on Assets (%) | 0.79% | 0.72% | 0.55% | 0.58% | 0.62% | 0.65% | 0.83% | 0.91% |
| ▄▅█▇▆▄▂▁ | Efficiency Ratio (%) | 70.4% | 71.8% | 76.5% | 74.4% | 72.8% | 71.5% | 68.9% | 66.7% |
| ▇█▇▇▇▅▁▁ | Cost of Funds (%) | 1.95% | 2.05% | 1.94% | 1.93% | 1.90% | 1.80% | 1.51% | 1.45% |
| ▅▄▂▁▁▁█▁ | NPA / Assets (%) | 0.34% | 0.31% | 0.26% | 0.25% | 0.24% | 0.23% | 0.40% | 0.25% |
| ▆▄▃▂▂▁█▁ | Net Charge-Off Ratio (%) | 0.58% | 0.52% | 0.44% | 0.44% | 0.40% | 0.38% | 0.69% | 0.36% |
| ▄▁▃▄▆▇▇█ | Tang. Book Value ($M) | $11 | $9 | $10 | $11 | $13 | $13 | $13 | $14 |
| ▁▄█▆▅▃▅█ | Gross Loans ($M) | $130 | $133 | $137 | $135 | $135 | $133 | $135 | $137 |
| ▃▅██▅▁▄▆ | Total Deposits ($M) | $219 | $224 | $233 | $232 | $224 | $212 | $221 | $227 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 15% |
| Agricultural | 4% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 14% |