Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.21% | +0.26 | 0.95% |
| Return on Equity (%) | ▲ | 11.14% | +1.62 | 9.52% |
| Net Interest Margin (%) | ▲ | 4.21% | +0.46 | 3.75% |
| Efficiency Ratio (%) | ▲ | 65.15% | -4.14 | 69.29% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.16 | $1 |
| Cost of Funds (%) | ▲ | 0.83% | -0.02 | 0.86% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $200 | -0.97 | $201 |
| Gross Loans ($M) | ▲ | $113 | +4.92 | $108 |
| Loan Growth YoY (%) | ▲ | 63.36% | +3.70 | 59.67% |
| Total Deposits ($M) | ▼ | $177 | -2.76 | $180 |
| Shareholders Equity ($M) | ▲ | $22 | +1.74 | $20 |
| Tang. Book Value ($M) | ▲ | $16 | +1.75 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +1.97 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 63.36% | +3.70 | 59.67% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.49% | +0.03 | 0.46% |
| Allowance / Loans (%) | — | 1.11% | -0.02% | 1.12% |
| Net Charge-Off Ratio (%) | ▼ | 0.86% | +0.02 | 0.85% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 19.99% | +1.58 | 18.41% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▃▄▆█ | Net Interest Margin (%) | 3.62% | 3.66% | 3.63% | 3.75% | 3.80% | 3.86% | 4.05% | 4.21% |
| ▁▁▁▂▃▄▆█ | Return on Assets (%) | 0.88% | 0.90% | 0.87% | 0.95% | 0.96% | 1.02% | 1.11% | 1.21% |
| █▇█▅▅▄▃▁ | Efficiency Ratio (%) | 71.6% | 71.2% | 72.0% | 69.3% | 68.9% | 67.8% | 67.1% | 65.1% |
| ██▅▅▆▄▁▃ | Cost of Funds (%) | 0.92% | 0.91% | 0.86% | 0.86% | 0.88% | 0.84% | 0.79% | 0.83% |
| ▂▂▁█▇▆▅█ | NPA / Assets (%) | 0.25% | 0.24% | 0.19% | 0.46% | 0.44% | 0.38% | 0.35% | 0.49% |
| ▂▂▁██▆▅█ | Net Charge-Off Ratio (%) | 0.42% | 0.43% | 0.35% | 0.85% | 0.80% | 0.71% | 0.64% | 0.86% |
| ▁▁▃▄▆▇██ | Tang. Book Value ($M) | $13 | $13 | $14 | $14 | $15 | $16 | $16 | $16 |
| ▄▄▁▂▃▅▅█ | Gross Loans ($M) | $110 | $110 | $107 | $108 | $109 | $110 | $110 | $113 |
| ▁▄▆█▇██▆ | Total Deposits ($M) | $168 | $173 | $176 | $180 | $178 | $180 | $180 | $177 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 5% |
| Agricultural | 1% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 2% |