Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.96% | +0.17 | 1.79% |
| Return on Equity (%) | ▲ | 16.92% | +0.49 | 16.43% |
| Net Interest Margin (%) | ▲ | 4.90% | +0.26 | 4.64% |
| Efficiency Ratio (%) | ▲ | 47.66% | -1.98 | 49.64% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.21 | $2 |
| Cost of Funds (%) | ▲ | 1.91% | -0.24 | 2.15% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $286 | +18.89 | $267 |
| Gross Loans ($M) | ▲ | $246 | +16.04 | $229 |
| Loan Growth YoY (%) | ▲ | 99.51% | +1.86 | 97.65% |
| Total Deposits ($M) | ▲ | $243 | +11.49 | $232 |
| Shareholders Equity ($M) | ▲ | $33 | +3.39 | $30 |
| Tang. Book Value ($M) | ▲ | $33 | +3.39 | $30 |
| TBV excl. AOCI ($M)** | ▲ | $34 | +3.50 | $31 |
| Loan / Deposit Ratio (%) | ▲ | 99.51% | +1.86 | 97.65% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.37% | -0.03 | 0.40% |
| Allowance / Loans (%) | — | 1.31% | 0.03% | 1.28% |
| Net Charge-Off Ratio (%) | ▲ | 0.43% | -0.03 | 0.46% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.93% | +0.78 | 15.15% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▂▄▅▆▇█ | Net Interest Margin (%) | 4.47% | 4.54% | 4.54% | 4.64% | 4.72% | 4.77% | 4.84% | 4.90% |
| ▁▁▃▅▆▅██ | Return on Assets (%) | 1.57% | 1.55% | 1.68% | 1.79% | 1.83% | 1.76% | 1.92% | 1.96% |
| ██▅▃▂▄▁▁ | Efficiency Ratio (%) | 55.1% | 55.6% | 52.3% | 49.6% | 49.3% | 50.8% | 48.5% | 47.7% |
| ▇█▆▇▅▅▁▁ | Cost of Funds (%) | 2.17% | 2.22% | 2.12% | 2.15% | 2.10% | 2.08% | 1.94% | 1.91% |
| ▂▄▁▇██▂▆ | NPA / Assets (%) | 0.21% | 0.29% | 0.15% | 0.40% | 0.45% | 0.42% | 0.21% | 0.37% |
| ▂▄▁▇█▇▂▆ | Net Charge-Off Ratio (%) | 0.24% | 0.33% | 0.17% | 0.46% | 0.52% | 0.47% | 0.24% | 0.43% |
| ▁▁▁▃▅▇▆█ | Tang. Book Value ($M) | $28 | $29 | $28 | $30 | $31 | $32 | $32 | $33 |
| ▁▂▂▄▅▄▅█ | Gross Loans ($M) | $219 | $222 | $222 | $229 | $232 | $232 | $234 | $246 |
| ▁▁▅▅▅▅▇█ | Total Deposits ($M) | $221 | $218 | $231 | $232 | $231 | $232 | $240 | $243 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 10% |
| Agricultural | 4% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 9% |