Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.44% | +0.42 | 2.02% |
| Return on Equity (%) | ▲ | 17.40% | +2.02 | 15.38% |
| Net Interest Margin (%) | ▲ | 4.34% | +0.32 | 4.02% |
| Efficiency Ratio (%) | ▲ | 46.40% | -7.78 | 54.18% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.55 | $1 |
| Cost of Funds (%) | ▲ | 1.03% | -0.01 | 1.04% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $227 | +10.97 | $216 |
| Gross Loans ($M) | ▼ | $135 | -3.36 | $138 |
| Loan Growth YoY (%) | ▼ | 68.79% | -5.14 | 73.93% |
| Total Deposits ($M) | ▲ | $194 | +9.30 | $184 |
| Shareholders Equity ($M) | ▲ | $32 | +2.65 | $29 |
| Tang. Book Value ($M) | ▲ | $32 | +2.65 | $29 |
| TBV excl. AOCI ($M)** | ▲ | $35 | +2.84 | $32 |
| Loan / Deposit Ratio (%) | ▼ | 68.79% | -5.14 | 73.93% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.66% | +0.52 | 0.14% |
| Allowance / Loans (%) | — | 1.36% | -0.17% | 1.53% |
| Net Charge-Off Ratio (%) | ▼ | 0.58% | +0.52 | 0.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 22.37% | +1.88 | 20.49% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▇██ | Net Interest Margin (%) | 3.49% | 3.56% | 3.86% | 4.02% | 4.09% | 4.16% | 4.27% | 4.34% |
| ▁▁▇▅▄▂▇█ | Return on Assets (%) | 1.58% | 1.63% | 2.27% | 2.02% | 1.96% | 1.80% | 2.25% | 2.44% |
| ██▂▆▇▇▃▁ | Efficiency Ratio (%) | 58.2% | 57.7% | 48.1% | 54.2% | 55.3% | 56.6% | 49.7% | 46.4% |
| ██▄▂▃▁▁▁ | Cost of Funds (%) | 1.21% | 1.19% | 1.11% | 1.04% | 1.07% | 1.03% | 1.01% | 1.03% |
| ▁▂▁▂▂█▅█ | NPA / Assets (%) | 0.01% | 0.10% | 0.06% | 0.14% | 0.11% | 0.64% | 0.40% | 0.66% |
| ▁▂▁▁▁█▁▅ | Net Charge-Off Ratio (%) | 0.02% | 0.16% | 0.08% | 0.06% | 0.02% | 1.01% | 0.14% | 0.58% |
| ▁▁▃▄▆▇██ | Tang. Book Value ($M) | $26 | $27 | $28 | $29 | $30 | $31 | $31 | $32 |
| ▃▃▁▇▅█▄▄ | Gross Loans ($M) | $134 | $133 | $131 | $138 | $137 | $141 | $136 | $135 |
| ▂▁▄▄▆▄▇█ | Total Deposits ($M) | $182 | $178 | $185 | $184 | $189 | $186 | $191 | $194 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 10% |
| Agricultural | 13% |
| Consumer | 8% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 37% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 9% |