Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.14% | +0.33 | 0.81% |
| Return on Equity (%) | ▲ | 11.48% | +2.31 | 9.17% |
| Net Interest Margin (%) | ▲ | 3.14% | +0.10 | 3.04% |
| Efficiency Ratio (%) | ▲ | 64.34% | -7.94 | 72.28% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.08 | $0 |
| Cost of Funds (%) | ▼ | 1.22% | +0.23 | 0.99% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $101 | +13.93 | $87 |
| Gross Loans ($M) | ▲ | $48 | +3.32 | $44 |
| Loan Growth YoY (%) | ▲ | 60.21% | +2.04 | 58.17% |
| Total Deposits ($M) | ▲ | $78 | +2.95 | $75 |
| Shareholders Equity ($M) | ▲ | $10 | +2.00 | $8 |
| Tang. Book Value ($M) | ▲ | $10 | +2.00 | $8 |
| TBV excl. AOCI ($M)** | ▲ | $12 | +2.44 | $10 |
| Loan / Deposit Ratio (%) | ▲ | 60.21% | +2.04 | 58.17% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.62% | -0.63 | 1.25% |
| Allowance / Loans (%) | — | 1.53% | -0.08% | 1.60% |
| Net Charge-Off Ratio (%) | ▲ | 1.31% | -1.14 | 2.45% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -22.40 | 22.40% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄████ | Net Interest Margin (%) | 2.97% | 2.96% | 3.03% | 3.04% | 3.14% | 3.13% | 3.15% | 3.14% |
| ▆▇▁▄▆███ | Return on Assets (%) | 0.97% | 1.02% | 0.58% | 0.81% | 0.99% | 1.07% | 1.07% | 1.14% |
| ▁▁█▆▄▃▁▁ | Efficiency Ratio (%) | 64.1% | 64.6% | 75.2% | 72.3% | 69.1% | 67.9% | 64.6% | 64.3% |
| ▆▆▂▂▁█▄▆ | Cost of Funds (%) | 1.24% | 1.24% | 1.00% | 0.99% | 0.91% | 1.38% | 1.14% | 1.22% |
| ▃▇▇█▆▁▁▁ | NPA / Assets (%) | 0.83% | 1.14% | 1.12% | 1.25% | 1.04% | 0.65% | 0.59% | 0.62% |
| ▄████▁▁▁ | Net Charge-Off Ratio (%) | 1.80% | 2.32% | 2.38% | 2.45% | 2.32% | 1.37% | 1.29% | 1.31% |
| ▃▁▁▂▆███ | Tang. Book Value ($M) | $8 | $8 | $8 | $8 | $9 | $10 | $10 | $10 |
| ▁▃▁▄▄█▆█ | Gross Loans ($M) | $42 | $44 | $42 | $44 | $45 | $48 | $46 | $48 |
| █▅▆▁█▃▅▄ | Total Deposits ($M) | $82 | $79 | $80 | $75 | $82 | $77 | $79 | $78 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 57% |
| C&I / Commercial | 8% |
| Agricultural | 32% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 14% |