Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.12% | -2.21 | 3.33% |
| Return on Equity (%) | ▼ | 10.69% | -25.54 | 36.23% |
| Net Interest Margin (%) | ▼ | 3.39% | -0.03 | 3.41% |
| Efficiency Ratio (%) | ▼ | 67.04% | +28.97 | 38.07% |
| Pre-Provision Profit ($M) | ▼ | $1 | -2.67 | $3 |
| Cost of Funds (%) | ▲ | 1.63% | -0.03 | 1.66% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $249 | +2.12 | $247 |
| Gross Loans ($M) | ▲ | $156 | +12.79 | $144 |
| Loan Growth YoY (%) | ▲ | 71.09% | +6.56 | 64.54% |
| Total Deposits ($M) | ▼ | $219 | -2.40 | $221 |
| Shareholders Equity ($M) | ▼ | $25 | -0.42 | $25 |
| Tang. Book Value ($M) | ▼ | $25 | -0.42 | $25 |
| TBV excl. AOCI ($M)** | ▼ | $28 | -0.84 | $29 |
| Loan / Deposit Ratio (%) | ▲ | 71.09% | +6.56 | 64.54% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.60% | +0.57 | 0.04% |
| Allowance / Loans (%) | — | 0.60% | -0.06% | 0.66% |
| Net Charge-Off Ratio (%) | ▼ | 0.96% | +0.90 | 0.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 16.89% | -2.31 | 19.20% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▆▇█▆▅ | Net Interest Margin (%) | 3.30% | 3.33% | 3.41% | 3.41% | 3.43% | 3.47% | 3.42% | 3.39% |
| ▁▁▁█▇▅▁▁ | Return on Assets (%) | 1.26% | 1.27% | 1.34% | 3.33% | 2.79% | 2.45% | 1.24% | 1.12% |
| ▇▇▇▁▂▃██ | Efficiency Ratio (%) | 61.1% | 61.1% | 60.8% | 38.1% | 42.0% | 45.9% | 64.5% | 67.0% |
| ██▃▃▃▁▁▂ | Cost of Funds (%) | 1.85% | 1.87% | 1.67% | 1.66% | 1.67% | 1.60% | 1.58% | 1.63% |
| ▁▁▁▁▂▂▂█ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.04% | 0.10% | 0.12% | 0.12% | 0.60% |
| ▁▁▁▁▂▂▂█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.06% | 0.16% | 0.19% | 0.19% | 0.96% |
| ▁▁▂▇███▆ | Tang. Book Value ($M) | $21 | $21 | $22 | $25 | $26 | $25 | $26 | $25 |
| ▃▄▃▁▂▄▆█ | Gross Loans ($M) | $148 | $149 | $147 | $144 | $146 | $149 | $152 | $156 |
| ▇▅█▆▃▁▃▅ | Total Deposits ($M) | $225 | $218 | $231 | $221 | $214 | $205 | $213 | $219 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 3% |
| Agricultural | 2% |
| Consumer | 3% |
| Other | 12% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 16% |