Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.04% | +0.20 | 0.84% |
| Return on Equity (%) | ▲ | 7.00% | +1.14 | 5.86% |
| Net Interest Margin (%) | ▲ | 1.95% | +0.28 | 1.67% |
| Efficiency Ratio (%) | ▲ | 33.59% | -5.56 | 39.15% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.27 | $1 |
| Cost of Funds (%) | ▲ | 2.54% | -0.31 | 2.85% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $351 | +13.28 | $337 |
| Gross Loans ($M) | ▲ | $118 | +4.99 | $113 |
| Loan Growth YoY (%) | ▼ | 39.59% | -0.21 | 39.80% |
| Total Deposits ($M) | ▲ | $297 | +14.13 | $282 |
| Shareholders Equity ($M) | ▲ | $52 | +3.16 | $49 |
| Tang. Book Value ($M) | ▲ | $52 | +3.16 | $49 |
| TBV excl. AOCI ($M)** | ▲ | $63 | +3.64 | $60 |
| Loan / Deposit Ratio (%) | ▼ | 39.59% | -0.21 | 39.80% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.01 | 0.01% |
| Allowance / Loans (%) | — | 0.88% | -0.04% | 0.92% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.04 | 0.04% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 39.92% | -1.71 | 41.63% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▃▄▇█ | Net Interest Margin (%) | 1.61% | 1.61% | 1.63% | 1.67% | 1.73% | 1.76% | 1.89% | 1.95% |
| ▂▁▁▂▂▃██ | Return on Assets (%) | 0.86% | 0.82% | 0.80% | 0.84% | 0.86% | 0.87% | 1.01% | 1.04% |
| ▇█▇▅▆▆▁▁ | Efficiency Ratio (%) | 41.9% | 43.2% | 41.3% | 39.1% | 40.4% | 40.2% | 33.9% | 33.6% |
| ██▅▆▅▃▁▁ | Cost of Funds (%) | 2.99% | 2.97% | 2.80% | 2.85% | 2.77% | 2.66% | 2.53% | 2.54% |
| ▂▃█▃▃▁▆▁ | NPA / Assets (%) | 0.01% | 0.01% | 0.04% | 0.01% | 0.01% | 0.00% | 0.02% | 0.00% |
| ▂▂█▃▃▁▆▁ | Net Charge-Off Ratio (%) | 0.02% | 0.03% | 0.11% | 0.04% | 0.04% | 0.01% | 0.07% | 0.00% |
| ▆▁▃▄████ | Tang. Book Value ($M) | $50 | $46 | $48 | $49 | $51 | $52 | $52 | $52 |
| ▄▃▁▂▅▅▇█ | Gross Loans ($M) | $115 | $114 | $112 | $113 | $115 | $116 | $118 | $118 |
| ▁▂▄▄▅▆██ | Total Deposits ($M) | $269 | $274 | $281 | $282 | $286 | $289 | $296 | $297 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 6% |
| Agricultural | 11% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 6% |
| Interest-Bearing (core) | 80% |
| Brokered / Other | 14% |