Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.29% | -0.17 | 2.46% |
| Return on Equity (%) | ▼ | 36.00% | -8.25 | 44.25% |
| Net Interest Margin (%) | ▼ | 3.93% | -0.21 | 4.14% |
| Efficiency Ratio (%) | ▼ | 40.47% | +0.47 | 40.01% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.01 | $1 |
| Cost of Funds (%) | ▲ | 0.74% | -0.13 | 0.87% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $124 | +9.27 | $114 |
| Gross Loans ($M) | ▲ | $53 | +7.75 | $45 |
| Loan Growth YoY (%) | ▲ | 47.93% | +6.04 | 41.89% |
| Total Deposits ($M) | ▲ | $110 | +2.61 | $108 |
| Shareholders Equity ($M) | ▲ | $7 | +1.12 | $6 |
| Tang. Book Value ($M) | ▲ | $7 | +1.12 | $6 |
| TBV excl. AOCI ($M)** | ▲ | $10 | +1.36 | $9 |
| Loan / Deposit Ratio (%) | ▲ | 47.93% | +6.04 | 41.89% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.08% | -0.11 | 1.19% |
| Allowance / Loans (%) | — | 0.78% | -0.12% | 0.90% |
| Net Charge-Off Ratio (%) | ▲ | 2.51% | -0.49 | 3.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.38% | -2.06 | 17.44% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▄▃▄▃▁▁ | Net Interest Margin (%) | 4.57% | 4.53% | 4.21% | 4.14% | 4.17% | 4.16% | 3.93% | 3.93% |
| █▇▄▃▃▄▁▁ | Return on Assets (%) | 2.86% | 2.72% | 2.53% | 2.46% | 2.48% | 2.52% | 2.32% | 2.29% |
| ▁▆▆█▇▆▆█ | Efficiency Ratio (%) | 36.1% | 38.9% | 39.0% | 40.0% | 39.9% | 38.9% | 39.2% | 40.5% |
| ▄▄▄▇█▃▁▂ | Cost of Funds (%) | 0.81% | 0.81% | 0.80% | 0.87% | 0.90% | 0.78% | 0.72% | 0.74% |
| ▆▅▂▇█▅▃▁ | NPA / Assets (%) | 1.17% | 1.16% | 1.11% | 1.19% | 1.21% | 1.16% | 1.12% | 1.08% |
| ▄▇▇█▇▇█▁ | Net Charge-Off Ratio (%) | 2.74% | 2.92% | 2.93% | 3.00% | 2.93% | 2.94% | 3.03% | 2.51% |
| ▃▁▂▂▄█▆▆ | Tang. Book Value ($M) | $6 | $6 | $6 | $6 | $7 | $8 | $7 | $7 |
| ▃▁▁▃▃▃▂█ | Gross Loans ($M) | $46 | $43 | $43 | $45 | $46 | $46 | $45 | $53 |
| ▁▁▄▅▃▆█▇ | Total Deposits ($M) | $100 | $101 | $106 | $108 | $105 | $109 | $113 | $110 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 40% |
| C&I / Commercial | 12% |
| Agricultural | 42% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 4% |