Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.62% | +0.06 | 0.56% |
| Return on Equity (%) | ▼ | 5.71% | -0.04 | 5.75% |
| Net Interest Margin (%) | ▲ | 4.30% | +0.42 | 3.89% |
| Efficiency Ratio (%) | ▲ | 75.94% | -1.31 | 77.25% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.03 | $0 |
| Cost of Funds (%) | ▲ | 1.61% | -0.34 | 1.95% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $180 | -0.82 | $181 |
| Gross Loans ($M) | ▲ | $143 | +3.35 | $139 |
| Loan Growth YoY (%) | ▼ | 92.59% | -0.97 | 93.56% |
| Total Deposits ($M) | ▲ | $153 | +5.44 | $147 |
| Shareholders Equity ($M) | ▲ | $19 | +1.30 | $18 |
| Tang. Book Value ($M) | ▲ | $19 | +1.30 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +1.11 | $20 |
| Loan / Deposit Ratio (%) | ▼ | 92.59% | -0.97 | 93.56% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.47% | +0.44 | 0.03% |
| Allowance / Loans (%) | — | 0.94% | -0.21% | 1.15% |
| Net Charge-Off Ratio (%) | ▼ | 0.60% | +0.56 | 0.04% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -12.71 | 12.71% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▃▃██ | Net Interest Margin (%) | 3.83% | 3.80% | 3.76% | 3.89% | 3.91% | 3.95% | 4.31% | 4.30% |
| ▁▁▁▁▂▂█▄ | Return on Assets (%) | 0.56% | 0.56% | 0.55% | 0.56% | 0.59% | 0.57% | 0.72% | 0.62% |
| █▇█▄▁▄▂▁ | Efficiency Ratio (%) | 79.0% | 78.7% | 79.2% | 77.3% | 75.6% | 77.2% | 76.5% | 75.9% |
| ██▇▇█▄▁▁ | Cost of Funds (%) | 2.00% | 2.01% | 1.93% | 1.95% | 1.98% | 1.78% | 1.59% | 1.61% |
| ▁▁▁▁▄███ | NPA / Assets (%) | 0.03% | 0.03% | 0.03% | 0.03% | 0.26% | 0.49% | 0.48% | 0.47% |
| ▁▁▁▁▄███ | Net Charge-Off Ratio (%) | 0.05% | 0.04% | 0.04% | 0.04% | 0.33% | 0.63% | 0.60% | 0.60% |
| ▂▁▂▄▆▇██ | Tang. Book Value ($M) | $17 | $17 | $18 | $18 | $19 | $19 | $19 | $19 |
| ▁▃▅▇▆▅██ | Gross Loans ($M) | $128 | $133 | $136 | $139 | $139 | $136 | $142 | $143 |
| ▁▆▇▂▅█▂▇ | Total Deposits ($M) | $145 | $151 | $153 | $147 | $151 | $155 | $147 | $153 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 17% |
| Agricultural | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 12% |