Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.39% | +0.38 | 2.01% |
| Return on Equity (%) | ▲ | 21.13% | +0.69 | 20.44% |
| Net Interest Margin (%) | ▲ | 4.88% | +0.21 | 4.67% |
| Efficiency Ratio (%) | ▲ | 40.14% | -0.69 | 40.83% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.13 | $3 |
| Cost of Funds (%) | ▲ | 1.58% | -0.10 | 1.68% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $388 | +1.37 | $387 |
| Gross Loans ($M) | ▲ | $208 | +8.23 | $200 |
| Loan Growth YoY (%) | ▲ | 71.25% | +4.81 | 66.44% |
| Total Deposits ($M) | ▼ | $287 | -7.73 | $295 |
| Shareholders Equity ($M) | ▲ | $47 | +7.56 | $39 |
| Tang. Book Value ($M) | ▲ | $47 | +7.59 | $39 |
| TBV excl. AOCI ($M)** | ▲ | $54 | +7.01 | $47 |
| Loan / Deposit Ratio (%) | ▲ | 71.25% | +4.81 | 66.44% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.40% | -0.68 | 1.08% |
| Allowance / Loans (%) | — | 1.41% | -0.29% | 1.70% |
| Net Charge-Off Ratio (%) | ▲ | 0.69% | -1.37 | 2.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 19.59% | +1.47 | 18.12% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆▆▇██ | Net Interest Margin (%) | 4.29% | 4.35% | 4.61% | 4.67% | 4.71% | 4.76% | 4.84% | 4.88% |
| ▃▃▁▄▇███ | Return on Assets (%) | 1.88% | 1.91% | 1.67% | 2.01% | 2.22% | 2.34% | 2.31% | 2.39% |
| ▆██▃▄▄▁▁ | Efficiency Ratio (%) | 42.0% | 42.7% | 42.6% | 40.8% | 41.3% | 41.1% | 40.3% | 40.1% |
| █▇▅▇█▅▁▅ | Cost of Funds (%) | 1.74% | 1.72% | 1.61% | 1.68% | 1.77% | 1.61% | 1.37% | 1.58% |
| █▇██▆▄▄▁ | NPA / Assets (%) | 1.04% | 0.98% | 1.02% | 1.08% | 0.85% | 0.67% | 0.68% | 0.40% |
| █▇██▆▄▃▁ | Net Charge-Off Ratio (%) | 1.94% | 1.82% | 1.96% | 2.06% | 1.62% | 1.31% | 1.18% | 0.69% |
| █▁▁▂▅▃▄▅ | Tang. Book Value ($M) | $53 | $36 | $38 | $39 | $45 | $42 | $45 | $47 |
| ▁▄▃▅▅▃▇█ | Gross Loans ($M) | $190 | $197 | $195 | $200 | $201 | $196 | $204 | $208 |
| ▄█▇▄▁█▄▂ | Total Deposits ($M) | $294 | $315 | $312 | $295 | $278 | $320 | $297 | $287 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 54% |
| C&I / Commercial | 18% |
| Agricultural | 7% |
| Consumer | 18% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 40% |
| Interest-Bearing (core) | 50% |
| Brokered / Other | 10% |