Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.62% | +1.00 | 1.62% |
| Return on Equity (%) | ▲ | 20.57% | +7.05 | 13.52% |
| Net Interest Margin (%) | ▲ | 5.04% | +0.39 | 4.65% |
| Efficiency Ratio (%) | ▲ | 39.82% | -5.05 | 44.88% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.58 | $2 |
| Cost of Funds (%) | ▲ | 1.39% | -0.24 | 1.64% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $350 | +13.22 | $337 |
| Gross Loans ($M) | ▲ | $257 | +6.12 | $251 |
| Loan Growth YoY (%) | ▼ | 85.35% | -0.32 | 85.67% |
| Total Deposits ($M) | ▲ | $298 | +8.58 | $289 |
| Shareholders Equity ($M) | ▲ | $49 | +5.10 | $43 |
| Tang. Book Value ($M) | ▲ | $45 | +6.05 | $39 |
| TBV excl. AOCI ($M)** | ▲ | $47 | +5.87 | $41 |
| Loan / Deposit Ratio (%) | ▼ | 85.35% | -0.32 | 85.67% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.36% | -1.18 | 1.54% |
| Allowance / Loans (%) | — | 1.25% | -0.14% | 1.39% |
| Net Charge-Off Ratio (%) | ▲ | 0.49% | -1.58 | 2.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▃▄██ | Net Interest Margin (%) | 4.50% | 4.46% | 4.51% | 4.65% | 4.63% | 4.73% | 4.98% | 5.04% |
| ▄▃▆▁▂▄██ | Return on Assets (%) | 2.02% | 1.96% | 2.25% | 1.62% | 1.85% | 2.09% | 2.59% | 2.62% |
| ▆█▄▆▆▇▁▁ | Efficiency Ratio (%) | 44.8% | 47.0% | 42.7% | 44.9% | 44.2% | 45.4% | 39.1% | 39.8% |
| ▇█▆▄▂▄▁▁ | Cost of Funds (%) | 1.86% | 1.94% | 1.75% | 1.64% | 1.47% | 1.64% | 1.40% | 1.39% |
| ████▁▁▁▁ | NPA / Assets (%) | 1.45% | 1.44% | 1.44% | 1.54% | 0.31% | 0.35% | 0.41% | 0.36% |
| █▇▇█▁▁▁▁ | Net Charge-Off Ratio (%) | 2.20% | 1.95% | 1.92% | 2.06% | 0.43% | 0.46% | 0.55% | 0.49% |
| ▃▁▃▃▆▄▆█ | Tang. Book Value ($M) | $39 | $36 | $38 | $39 | $42 | $40 | $43 | $45 |
| ▁▅▆▂▃█▇▃ | Gross Loans ($M) | $245 | $266 | $270 | $251 | $255 | $282 | $277 | $257 |
| █▇▄▁▃██▃ | Total Deposits ($M) | $320 | $313 | $303 | $289 | $300 | $321 | $319 | $298 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 56% |
| C&I / Commercial | 15% |
| Agricultural | 21% |
| Consumer | 2% |
| Other | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 5% |