Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.73% | +0.24 | 0.49% |
| Return on Equity (%) | ▲ | 11.24% | +1.83 | 9.41% |
| Net Interest Margin (%) | ▲ | 2.68% | +0.12 | 2.56% |
| Efficiency Ratio (%) | ▲ | 67.79% | -5.34 | 73.12% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.39 | $0 |
| Cost of Funds (%) | ▲ | 2.38% | -0.07 | 2.44% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $287 | +16.59 | $270 |
| Gross Loans ($M) | ▲ | $158 | +2.46 | $156 |
| Loan Growth YoY (%) | ▲ | 68.03% | +1.02 | 67.01% |
| Total Deposits ($M) | ▼ | $230 | -0.15 | $230 |
| Shareholders Equity ($M) | ▲ | $19 | +3.64 | $15 |
| Tang. Book Value ($M) | ▲ | $19 | +3.64 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +4.75 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 68.03% | +1.02 | 67.01% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.86% | -0.12 | 0.97% |
| Allowance / Loans (%) | — | 1.32% | 0.12% | 1.20% |
| Net Charge-Off Ratio (%) | ▼ | 0.25% | +0.24 | 0.01% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▇▇▇▇▆█ | Net Interest Margin (%) | 1.94% | 2.06% | 2.54% | 2.56% | 2.57% | 2.58% | 2.45% | 2.68% |
| ▁▂▃▄▅▆▆█ | Return on Assets (%) | 0.30% | 0.36% | 0.44% | 0.49% | 0.56% | 0.59% | 0.59% | 0.73% |
| ██▂▃▃▃▃▁ | Efficiency Ratio (%) | 85.5% | 83.9% | 70.1% | 73.1% | 72.6% | 72.5% | 73.7% | 67.8% |
| █▇▂▃▃▃▁▂ | Cost of Funds (%) | 2.86% | 2.74% | 2.39% | 2.44% | 2.48% | 2.48% | 2.25% | 2.38% |
| ▆█▆▄█▁▁▁ | NPA / Assets (%) | 1.04% | 1.12% | 1.01% | 0.97% | 1.11% | 0.85% | 0.84% | 0.86% |
| ▃▃▁▁█▅▆▆ | Net Charge-Off Ratio (%) | 0.12% | 0.10% | 0.00% | 0.01% | 0.33% | 0.18% | 0.22% | 0.25% |
| ▄▁▁▄▇█▇█ | Tang. Book Value ($M) | $15 | $13 | $13 | $15 | $18 | $19 | $18 | $19 |
| ▁▄▆▇▄███ | Gross Loans ($M) | $148 | $153 | $156 | $156 | $153 | $158 | $158 | $158 |
| ▁▁▄▄▃▅█▄ | Total Deposits ($M) | $216 | $219 | $229 | $230 | $226 | $234 | $245 | $230 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 62% |
| C&I / Commercial | 26% |
| Agricultural | 8% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 25% |