Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.46% | +0.12 | 1.34% |
| Return on Equity (%) | ▲ | 9.98% | +0.21 | 9.77% |
| Net Interest Margin (%) | ▲ | 2.91% | +0.07 | 2.84% |
| Efficiency Ratio (%) | ▲ | 48.64% | -3.78 | 52.42% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.13 | $1 |
| Cost of Funds (%) | ▲ | 2.06% | -0.12 | 2.18% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $311 | +20.84 | $290 |
| Gross Loans ($M) | ▲ | $217 | +15.69 | $201 |
| Loan Growth YoY (%) | ▲ | 102.12% | +1.09 | 101.03% |
| Total Deposits ($M) | ▲ | $211 | +13.19 | $197 |
| Shareholders Equity ($M) | ▲ | $45 | +4.84 | $40 |
| Tang. Book Value ($M) | ▲ | $45 | +4.84 | $40 |
| TBV excl. AOCI ($M)** | ▲ | $48 | +4.92 | $43 |
| Loan / Deposit Ratio (%) | ▲ | 102.12% | +1.09 | 101.03% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.04% | -0.03 | 1.07% |
| Allowance / Loans (%) | — | 0.90% | -0.04% | 0.94% |
| Net Charge-Off Ratio (%) | ▲ | 1.50% | -0.05 | 1.55% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 23.98% | -0.26 | 24.24% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▃▁▃▄▅▆▆ | Net Interest Margin (%) | 2.97% | 2.84% | 2.79% | 2.84% | 2.87% | 2.89% | 2.91% | 2.91% |
| █▃▂▁▃▂▅▃ | Return on Assets (%) | 1.73% | 1.49% | 1.41% | 1.34% | 1.45% | 1.42% | 1.57% | 1.46% |
| ▁▅▆█▆▇▂▅ | Efficiency Ratio (%) | 42.9% | 47.9% | 49.5% | 52.4% | 49.3% | 50.7% | 44.4% | 48.6% |
| ▆▇▆▆▇█▄▁ | Cost of Funds (%) | 2.18% | 2.23% | 2.20% | 2.18% | 2.21% | 2.25% | 2.14% | 2.06% |
| ▁███████ | NPA / Assets (%) | 0.14% | 1.01% | 1.02% | 1.07% | 1.03% | 0.98% | 0.96% | 1.04% |
| ▁███████ | Net Charge-Off Ratio (%) | 0.21% | 1.53% | 1.51% | 1.55% | 1.48% | 1.40% | 1.38% | 1.50% |
| ▂▁▂▂▅▇██ | Tang. Book Value ($M) | $40 | $39 | $40 | $40 | $43 | $44 | $44 | $45 |
| ▁▁▂▄▅▆▇█ | Gross Loans ($M) | $190 | $192 | $194 | $201 | $205 | $209 | $212 | $217 |
| ▁▃▂▃▄▂▅█ | Total Deposits ($M) | $190 | $196 | $195 | $197 | $198 | $195 | $201 | $211 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 14% |
| Agricultural | 11% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 7% |
| Interest-Bearing (core) | 82% |
| Brokered / Other | 11% |