Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.14% | -0.13 | 2.27% |
| Return on Equity (%) | ▼ | 19.30% | -1.36 | 20.66% |
| Net Interest Margin (%) | ▲ | 4.14% | +0.05 | 4.10% |
| Efficiency Ratio (%) | ▼ | 46.53% | +0.59 | 45.94% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.03 | $1 |
| Cost of Funds (%) | ▼ | 1.35% | +0.03 | 1.33% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $115 | +3.95 | $111 |
| Gross Loans ($M) | ▲ | $61 | +6.84 | $54 |
| Loan Growth YoY (%) | ▲ | 59.95% | +4.80 | 55.15% |
| Total Deposits ($M) | ▲ | $101 | +3.51 | $97 |
| Shareholders Equity ($M) | ▲ | $12 | +0.43 | $12 |
| Tang. Book Value ($M) | ▲ | $12 | +0.43 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +0.30 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 59.95% | +4.80 | 55.15% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.12% | +0.10 | 1.02% |
| Allowance / Loans (%) | — | 1.35% | -0.05% | 1.41% |
| Net Charge-Off Ratio (%) | ▼ | 2.10% | +0.02 | 2.08% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▇▁▅▇█▃█ | Net Interest Margin (%) | 4.06% | 4.13% | 4.03% | 4.10% | 4.12% | 4.14% | 4.07% | 4.14% |
| ▇█▃▆█▅▁▁ | Return on Assets (%) | 2.29% | 2.32% | 2.18% | 2.27% | 2.32% | 2.24% | 2.11% | 2.14% |
| ▁▁▆▄▂▅█▅ | Efficiency Ratio (%) | 43.5% | 43.8% | 47.3% | 45.9% | 44.5% | 46.7% | 48.9% | 46.5% |
| ▃▅▄▅██▁█ | Cost of Funds (%) | 1.30% | 1.32% | 1.31% | 1.33% | 1.35% | 1.36% | 1.27% | 1.35% |
| ▃▁▂▄█▇▆▆ | NPA / Assets (%) | 0.92% | 0.79% | 0.88% | 1.02% | 1.28% | 1.20% | 1.13% | 1.12% |
| ▃▁▁▄█▆▅▄ | Net Charge-Off Ratio (%) | 2.01% | 1.68% | 1.79% | 2.08% | 2.61% | 2.35% | 2.16% | 2.10% |
| ▃▁▅▂▇▄█▆ | Tang. Book Value ($M) | $12 | $12 | $12 | $12 | $13 | $12 | $13 | $12 |
| ▁▂▃▄▄▄██ | Gross Loans ($M) | $50 | $52 | $53 | $54 | $55 | $56 | $60 | $61 |
| ▃▄▁▃▅▂█▇ | Total Deposits ($M) | $98 | $98 | $96 | $97 | $99 | $96 | $102 | $101 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 4% |
| Agricultural | 1% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 10% |