Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.98% | +0.32 | 0.66% |
| Return on Equity (%) | ▲ | 10.07% | +2.19 | 7.88% |
| Net Interest Margin (%) | ▲ | 3.63% | +0.36 | 3.27% |
| Efficiency Ratio (%) | ▼ | 60.78% | +1.50 | 59.28% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.15 | $2 |
| Cost of Funds (%) | ▲ | 2.13% | -0.21 | 2.34% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $499 | -1.42 | $500 |
| Gross Loans ($M) | ▼ | $374 | -4.16 | $378 |
| Loan Growth YoY (%) | ▼ | 106.78% | -5.11 | 111.89% |
| Total Deposits ($M) | ▲ | $347 | +12.99 | $334 |
| Shareholders Equity ($M) | ▲ | $50 | +6.29 | $43 |
| Tang. Book Value ($M) | ▲ | $50 | +6.32 | $43 |
| TBV excl. AOCI ($M)** | ▲ | $54 | +6.12 | $48 |
| Loan / Deposit Ratio (%) | ▼ | 106.78% | -5.11 | 111.89% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.45% | -0.20 | 1.64% |
| Allowance / Loans (%) | — | 1.05% | -0.25% | 1.30% |
| Net Charge-Off Ratio (%) | ▲ | 0.47% | -0.84 | 1.32% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.18% | +1.26 | 13.92% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▆▇▇█ | Net Interest Margin (%) | 2.66% | 2.75% | 3.23% | 3.27% | 3.37% | 3.41% | 3.44% | 3.63% |
| ▁▂█▂▆█▄█ | Return on Assets (%) | 0.61% | 0.67% | 0.99% | 0.66% | 0.89% | 0.95% | 0.76% | 0.98% |
| █▇▂▁▁▁▃▂ | Efficiency Ratio (%) | 71.6% | 68.9% | 61.5% | 59.3% | 59.2% | 60.5% | 63.3% | 60.8% |
| ▇█▃▅▆▃▁▁ | Cost of Funds (%) | 2.48% | 2.54% | 2.28% | 2.34% | 2.40% | 2.27% | 2.17% | 2.13% |
| ▁▂▁██▆█▃ | NPA / Assets (%) | 1.33% | 1.39% | 1.34% | 1.64% | 1.65% | 1.54% | 1.61% | 1.45% |
| ███▆▅▇▂▁ | Net Charge-Off Ratio (%) | 1.78% | 1.82% | 1.76% | 1.32% | 1.29% | 1.53% | 0.71% | 0.47% |
| ▃▁▃▃▆▇▇█ | Tang. Book Value ($M) | $43 | $40 | $43 | $43 | $46 | $48 | $48 | $50 |
| ▆▆█▆▃▁▂▅ | Gross Loans ($M) | $378 | $377 | $385 | $378 | $368 | $361 | $365 | $374 |
| ▇▄▆▄▁██▇ | Total Deposits ($M) | $344 | $334 | $343 | $334 | $320 | $348 | $352 | $347 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 6% |
| Agricultural | 7% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 14% |