Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.24% | +0.44 | 1.81% |
| Return on Equity (%) | ▲ | 29.81% | +3.13 | 26.68% |
| Net Interest Margin (%) | ▲ | 4.38% | +0.37 | 4.01% |
| Efficiency Ratio (%) | ▲ | 50.25% | -6.14 | 56.39% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.22 | $1 |
| Cost of Funds (%) | ▲ | 1.78% | -0.12 | 1.89% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $150 | +3.03 | $147 |
| Gross Loans ($M) | ▲ | $97 | +10.17 | $87 |
| Loan Growth YoY (%) | ▲ | 70.35% | +6.41 | 63.94% |
| Total Deposits ($M) | ▲ | $137 | +2.08 | $135 |
| Shareholders Equity ($M) | ▲ | $11 | +0.69 | $11 |
| Tang. Book Value ($M) | ▲ | $11 | +0.70 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $13 | +0.65 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 70.35% | +6.41 | 63.94% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.59% | +0.27 | 0.32% |
| Allowance / Loans (%) | — | 0.93% | -0.04% | 0.97% |
| Net Charge-Off Ratio (%) | ▼ | 0.76% | +0.21 | 0.55% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 14.69% | -0.89 | 15.58% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆▇█ | Net Interest Margin (%) | 3.77% | 3.78% | 3.98% | 4.01% | 4.12% | 4.15% | 4.23% | 4.38% |
| ▁▁▃▄▅▃▆█ | Return on Assets (%) | 1.57% | 1.51% | 1.73% | 1.81% | 1.91% | 1.76% | 2.06% | 2.24% |
| ██▇▆▅▅▃▁ | Efficiency Ratio (%) | 59.7% | 59.5% | 57.8% | 56.4% | 55.0% | 55.6% | 52.8% | 50.3% |
| ▇█▃▅▃▃▁▁ | Cost of Funds (%) | 1.97% | 2.04% | 1.84% | 1.89% | 1.86% | 1.85% | 1.75% | 1.78% |
| ▂▂▁▃▃▄██ | NPA / Assets (%) | 0.30% | 0.28% | 0.22% | 0.32% | 0.32% | 0.36% | 0.59% | 0.59% |
| ▂▂▁▃▃▄█▆ | Net Charge-Off Ratio (%) | 0.49% | 0.45% | 0.36% | 0.55% | 0.52% | 0.57% | 0.93% | 0.76% |
| ▅▁▃▆█▆▇▇ | Tang. Book Value ($M) | $10 | $9 | $10 | $11 | $12 | $11 | $11 | $11 |
| ▁▂▃▂▄▆▇█ | Gross Loans ($M) | $85 | $87 | $88 | $87 | $91 | $93 | $95 | $97 |
| ▁▂▆▇▄▇██ | Total Deposits ($M) | $127 | $129 | $134 | $135 | $132 | $135 | $137 | $137 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 5% |
| Agricultural | 4% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 9% |