Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.72% | +0.32 | 2.40% |
| Return on Equity (%) | ▲ | 24.35% | +2.50 | 21.85% |
| Net Interest Margin (%) | ▼ | 5.24% | -0.06 | 5.31% |
| Efficiency Ratio (%) | ▲ | 47.71% | -5.42 | 53.13% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.11 | $1 |
| Cost of Funds (%) | ▲ | 1.81% | -0.01 | 1.83% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $202 | +18.10 | $184 |
| Gross Loans ($M) | ▲ | $183 | +18.50 | $164 |
| Loan Growth YoY (%) | ▲ | 109.56% | +3.79 | 105.77% |
| Total Deposits ($M) | ▲ | $165 | +11.43 | $153 |
| Shareholders Equity ($M) | ▲ | $23 | +2.71 | $20 |
| Tang. Book Value ($M) | ▲ | $23 | +2.71 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 109.56% | +3.79 | 105.77% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.54% | -0.50 | 1.05% |
| Allowance / Loans (%) | — | 1.28% | -0.04% | 1.33% |
| Net Charge-Off Ratio (%) | ▲ | 0.05% | -0.00 | 0.05% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.58% | +0.46 | 12.12% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▇▇██▆▇ | Net Interest Margin (%) | 4.77% | 4.92% | 5.26% | 5.31% | 5.39% | 5.38% | 5.23% | 5.24% |
| ▁▃▂▆▇▇██ | Return on Assets (%) | 1.78% | 2.01% | 1.97% | 2.40% | 2.52% | 2.52% | 2.71% | 2.72% |
| █▇█▅▂▃▁▁ | Efficiency Ratio (%) | 57.8% | 55.9% | 58.3% | 53.1% | 50.4% | 50.9% | 48.4% | 47.7% |
| ▇█▄▁▅▆▁▁ | Cost of Funds (%) | 2.04% | 2.10% | 1.93% | 1.83% | 1.96% | 1.99% | 1.84% | 1.81% |
| ██▇▅▅▃▁▁ | NPA / Assets (%) | 1.41% | 1.37% | 1.23% | 1.05% | 1.04% | 0.81% | 0.59% | 0.54% |
| ▁▁▁▁█▁▁▁ | Net Charge-Off Ratio (%) | 0.07% | 0.06% | 0.06% | 0.05% | 0.29% | 0.04% | 0.06% | 0.05% |
| ▁▂▃▄▅▆██ | Tang. Book Value ($M) | $18 | $19 | $19 | $20 | $21 | $21 | $22 | $23 |
| ▁▁▁▄▇▇▇█ | Gross Loans ($M) | $154 | $152 | $155 | $164 | $176 | $176 | $178 | $183 |
| ▂▁▁▄▆▆▇█ | Total Deposits ($M) | $147 | $145 | $145 | $153 | $158 | $158 | $161 | $165 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 10% |
| Agricultural | 2% |
| Consumer | 1% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 6% |