Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.16% | +0.42 | 0.74% |
| Return on Equity (%) | ▲ | 10.56% | +3.65 | 6.91% |
| Net Interest Margin (%) | ▲ | 4.23% | +0.29 | 3.94% |
| Efficiency Ratio (%) | ▲ | 61.99% | -10.98 | 72.97% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.43 | $1 |
| Cost of Funds (%) | ▲ | 1.65% | -0.25 | 1.90% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $345 | +4.19 | $341 |
| Gross Loans ($M) | ▼ | $254 | -7.59 | $261 |
| Loan Growth YoY (%) | ▼ | 83.25% | -6.13 | 89.38% |
| Total Deposits ($M) | ▲ | $301 | +11.94 | $289 |
| Shareholders Equity ($M) | ▲ | $38 | +1.18 | $37 |
| Tang. Book Value ($M) | ▲ | $30 | +1.47 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +1.50 | $31 |
| Loan / Deposit Ratio (%) | ▼ | 83.25% | -6.13 | 89.38% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.63% | -0.73 | 1.36% |
| Allowance / Loans (%) | — | 1.15% | 0.11% | 1.04% |
| Net Charge-Off Ratio (%) | ▲ | 0.60% | -1.18 | 1.78% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.75% | +1.38 | 12.36% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▅▆▇▇█ | Net Interest Margin (%) | 3.65% | 3.72% | 3.88% | 3.94% | 4.04% | 4.14% | 4.15% | 4.23% |
| ▁▂▁▃▃█▇█ | Return on Assets (%) | 0.61% | 0.68% | 0.58% | 0.74% | 0.80% | 1.21% | 1.06% | 1.16% |
| █▇▇▅▄▁▂▁ | Efficiency Ratio (%) | 81.4% | 78.7% | 77.7% | 73.0% | 71.3% | 61.6% | 64.2% | 62.0% |
| █▆▆▆▅▄▂▁ | Cost of Funds (%) | 2.05% | 1.92% | 1.91% | 1.90% | 1.88% | 1.82% | 1.71% | 1.65% |
| ▁▂▂█▇▃▃▂ | NPA / Assets (%) | 0.43% | 0.56% | 0.64% | 1.36% | 1.15% | 0.74% | 0.74% | 0.63% |
| ▁▂▂█▆▂▂▁ | Net Charge-Off Ratio (%) | 0.55% | 0.73% | 0.84% | 1.78% | 1.40% | 0.75% | 0.79% | 0.60% |
| ▁▁▁▄▆███ | Tang. Book Value ($M) | $27 | $27 | $27 | $28 | $29 | $30 | $30 | $30 |
| ▄▆▅▇█▇▁▃ | Gross Loans ($M) | $255 | $259 | $257 | $261 | $265 | $262 | $248 | $254 |
| ▁▂▄▄▄███ | Total Deposits ($M) | $276 | $282 | $288 | $289 | $290 | $300 | $304 | $301 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 9% |
| Agricultural | 4% |
| Consumer | 3% |
| Other | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 7% |