Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.35% | -0.14 | 2.50% |
| Return on Equity (%) | ▼ | 27.64% | -0.56 | 28.20% |
| Net Interest Margin (%) | ▲ | 4.82% | +0.14 | 4.68% |
| Efficiency Ratio (%) | ▼ | 46.92% | +0.50 | 46.42% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.06 | $2 |
| Cost of Funds (%) | ▲ | 1.51% | -0.12 | 1.63% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $259 | +10.14 | $249 |
| Gross Loans ($M) | ▼ | $202 | -1.81 | $204 |
| Loan Growth YoY (%) | ▼ | 84.70% | -4.25 | 88.96% |
| Total Deposits ($M) | ▲ | $235 | +10.13 | $225 |
| Shareholders Equity ($M) | ▼ | $23 | -0.17 | $23 |
| Tang. Book Value ($M) | ▼ | $22 | -0.13 | $22 |
| TBV excl. AOCI ($M)** | ▼ | $23 | -0.14 | $23 |
| Loan / Deposit Ratio (%) | ▼ | 84.70% | -4.25 | 88.96% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.74% | +0.47 | 0.27% |
| Allowance / Loans (%) | — | 1.59% | -0.40% | 1.99% |
| Net Charge-Off Ratio (%) | ▼ | 0.95% | +0.61 | 0.33% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 11.83% | -0.18 | 12.02% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▆▇▇██ | Net Interest Margin (%) | 4.40% | 4.43% | 4.60% | 4.68% | 4.75% | 4.73% | 4.80% | 4.82% |
| ▂▃▁▅██▇▁ | Return on Assets (%) | 2.39% | 2.42% | 2.36% | 2.50% | 2.57% | 2.59% | 2.55% | 2.35% |
| ▄▂▇▄▂▁█▇ | Efficiency Ratio (%) | 46.4% | 46.0% | 47.0% | 46.4% | 46.1% | 45.7% | 47.2% | 46.9% |
| █▅▃▄▄▁▂▁ | Cost of Funds (%) | 1.81% | 1.68% | 1.62% | 1.63% | 1.65% | 1.55% | 1.56% | 1.51% |
| ▂▃▁▁▄█▅█ | NPA / Assets (%) | 0.38% | 0.40% | 0.30% | 0.27% | 0.48% | 0.69% | 0.53% | 0.74% |
| ▂▂▁▁▄█▅█ | Net Charge-Off Ratio (%) | 0.46% | 0.49% | 0.36% | 0.33% | 0.60% | 0.89% | 0.67% | 0.95% |
| ▇▁▃▆█▂▄▅ | Tang. Book Value ($M) | $22 | $20 | $21 | $22 | $23 | $21 | $21 | $22 |
| ▁▅▆▅▃█▆▃ | Gross Loans ($M) | $199 | $204 | $205 | $204 | $202 | $208 | $205 | $202 |
| ▁▄▃▃▂█▆▆ | Total Deposits ($M) | $218 | $228 | $226 | $225 | $224 | $244 | $235 | $235 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 18% |
| Agricultural | 10% |
| Consumer | 5% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 4% |