Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.88% | +0.18 | 0.70% |
| Return on Equity (%) | ▲ | 10.54% | +0.68 | 9.86% |
| Net Interest Margin (%) | ▼ | 3.95% | -0.06 | 4.02% |
| Efficiency Ratio (%) | ▲ | 78.14% | -4.21 | 82.35% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.08 | $1 |
| Cost of Funds (%) | ▲ | 2.14% | -0.29 | 2.43% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $326 | +30.17 | $295 |
| Gross Loans ($M) | ▲ | $258 | +17.73 | $240 |
| Loan Growth YoY (%) | ▼ | 86.53% | -1.78 | 88.32% |
| Total Deposits ($M) | ▲ | $295 | +25.69 | $270 |
| Shareholders Equity ($M) | ▲ | $27 | +5.64 | $21 |
| Tang. Book Value ($M) | ▲ | $27 | +5.64 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +5.64 | $23 |
| Loan / Deposit Ratio (%) | ▼ | 86.53% | -1.78 | 88.32% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.94% | +0.69 | 0.25% |
| Allowance / Loans (%) | — | 0.97% | 0.06% | 0.92% |
| Net Charge-Off Ratio (%) | ▼ | 0.98% | +0.67 | 0.31% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 11.01% | +0.86 | 10.15% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▇██▅▅ | Net Interest Margin (%) | 3.78% | 3.82% | 3.92% | 4.02% | 4.05% | 4.07% | 3.95% | 3.95% |
| ▃▃▁▃▃▅█▇ | Return on Assets (%) | 0.72% | 0.70% | 0.61% | 0.70% | 0.71% | 0.79% | 0.96% | 0.88% |
| ▅▅█▆▄▂▁▁ | Efficiency Ratio (%) | 81.6% | 81.5% | 85.1% | 82.3% | 80.5% | 78.8% | 77.5% | 78.1% |
| █▅▃▄▄▂▁▁ | Cost of Funds (%) | 2.78% | 2.52% | 2.33% | 2.43% | 2.40% | 2.22% | 2.12% | 2.14% |
| ▁▁▁▂▂▄▂█ | NPA / Assets (%) | 0.03% | 0.06% | 0.13% | 0.25% | 0.17% | 0.40% | 0.22% | 0.94% |
| ▁▁▁▃▂▂▃█ | Net Charge-Off Ratio (%) | 0.03% | 0.08% | 0.10% | 0.31% | 0.21% | 0.24% | 0.27% | 0.98% |
| ▁▁▁▂▃███ | Tang. Book Value ($M) | $21 | $20 | $21 | $21 | $22 | $27 | $27 | $27 |
| ▁▂▃▄▆█▇█ | Gross Loans ($M) | $223 | $230 | $233 | $240 | $249 | $260 | $254 | $258 |
| ▁▂▂▄▄▇██ | Total Deposits ($M) | $252 | $262 | $262 | $270 | $272 | $286 | $291 | $295 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 25% |
| Agricultural | 4% |
| Consumer | 2% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 17% |