Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.35% | +0.13 | 0.23% |
| Return on Equity (%) | ▲ | 3.99% | +1.49 | 2.50% |
| Net Interest Margin (%) | ▲ | 4.80% | +0.22 | 4.58% |
| Efficiency Ratio (%) | ▲ | 90.77% | -2.88 | 93.65% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.16 | $0 |
| Cost of Funds (%) | ▼ | 1.27% | +0.05 | 1.23% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $431 | +21.70 | $409 |
| Gross Loans ($M) | ▲ | $326 | +31.62 | $295 |
| Loan Growth YoY (%) | ▲ | 82.63% | +4.01 | 78.61% |
| Total Deposits ($M) | ▲ | $392 | +19.96 | $372 |
| Shareholders Equity ($M) | ▲ | $37 | +1.61 | $35 |
| Tang. Book Value ($M) | ▲ | $34 | +1.81 | $32 |
| TBV excl. AOCI ($M)** | ▲ | $35 | +2.80 | $32 |
| Loan / Deposit Ratio (%) | ▲ | 82.63% | +4.01 | 78.61% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.16% | -0.04 | 0.20% |
| Allowance / Loans (%) | — | 0.84% | -0.01% | 0.86% |
| Net Charge-Off Ratio (%) | ▲ | 0.20% | -0.07 | 0.28% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▆▁▃▃▆██ | Net Interest Margin (%) | 4.64% | 4.73% | 4.49% | 4.58% | 4.58% | 4.70% | 4.82% | 4.80% |
| █▇▁▃▄▅▇▅ | Return on Assets (%) | 0.56% | 0.47% | 0.10% | 0.23% | 0.31% | 0.38% | 0.46% | 0.35% |
| ▁▂█▆▅▃▂▄ | Efficiency Ratio (%) | 84.7% | 87.1% | 97.4% | 93.7% | 91.4% | 88.7% | 87.4% | 90.8% |
| ▃█▂▁▄█▃▂ | Cost of Funds (%) | 1.30% | 1.42% | 1.27% | 1.23% | 1.30% | 1.41% | 1.28% | 1.27% |
| ▁▁▁▂▄█▇▁ | NPA / Assets (%) | 0.17% | 0.16% | 0.15% | 0.20% | 0.31% | 0.47% | 0.41% | 0.16% |
| ▁▁▁▂▅█▇▁ | Net Charge-Off Ratio (%) | 0.24% | 0.21% | 0.20% | 0.28% | 0.46% | 0.62% | 0.52% | 0.20% |
| ▁▁▂▂▅▇██ | Tang. Book Value ($M) | $31 | $32 | $32 | $32 | $33 | $33 | $34 | $34 |
| ▁▁▁▃▃▆▆█ | Gross Loans ($M) | $283 | $277 | $283 | $295 | $295 | $311 | $312 | $326 |
| ▄▁▁▄█▅▄▇ | Total Deposits ($M) | $371 | $339 | $346 | $372 | $405 | $374 | $365 | $392 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 8% |
| Agricultural | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 3% |