Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.52% | +0.25 | 1.27% |
| Return on Equity (%) | ▲ | 13.58% | +0.04 | 13.54% |
| Net Interest Margin (%) | ▲ | 4.01% | +0.44 | 3.57% |
| Efficiency Ratio (%) | ▲ | 62.67% | -2.33 | 65.00% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.09 | $1 |
| Cost of Funds (%) | ▲ | 1.52% | -0.14 | 1.65% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $235 | -15.60 | $250 |
| Gross Loans ($M) | ▼ | $170 | -24.35 | $194 |
| Loan Growth YoY (%) | ▼ | 83.40% | -5.33 | 88.73% |
| Total Deposits ($M) | ▼ | $201 | -15.38 | $217 |
| Shareholders Equity ($M) | ▲ | $26 | +2.41 | $24 |
| Tang. Book Value ($M) | ▲ | $26 | +2.48 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +2.69 | $26 |
| Loan / Deposit Ratio (%) | ▼ | 83.40% | -5.33 | 88.73% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.30% | +0.07 | 0.22% |
| Allowance / Loans (%) | — | 1.01% | 0.14% | 0.87% |
| Net Charge-Off Ratio (%) | ▼ | 0.41% | +0.14 | 0.27% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 18.19% | +1.33 | 16.86% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▃▄██ | Net Interest Margin (%) | 3.41% | 3.45% | 3.56% | 3.57% | 3.62% | 3.68% | 4.01% | 4.01% |
| ▁▃▃▃▃▁██ | Return on Assets (%) | 1.16% | 1.29% | 1.27% | 1.27% | 1.30% | 1.17% | 1.54% | 1.52% |
| ▆█▅▄▄▆▁▁ | Efficiency Ratio (%) | 66.3% | 67.5% | 65.2% | 65.0% | 64.9% | 65.8% | 62.9% | 62.7% |
| ▅█▄█▅█▁▂ | Cost of Funds (%) | 1.59% | 1.64% | 1.56% | 1.65% | 1.58% | 1.65% | 1.50% | 1.52% |
| ▄▄▁▃▁▁▃█ | NPA / Assets (%) | 0.24% | 0.23% | 0.20% | 0.22% | 0.19% | 0.20% | 0.23% | 0.30% |
| ▄▁▁▂▁▁▄█ | Net Charge-Off Ratio (%) | 0.31% | 0.25% | 0.26% | 0.27% | 0.24% | 0.25% | 0.32% | 0.41% |
| ▂▁▃▃█▇██ | Tang. Book Value ($M) | $23 | $22 | $23 | $24 | $26 | $25 | $26 | $26 |
| ██▇█▇▁▁▁ | Gross Loans ($M) | $196 | $194 | $192 | $194 | $191 | $172 | $172 | $170 |
| ▅▆█▆▅▁▂▂ | Total Deposits ($M) | $215 | $217 | $227 | $217 | $216 | $197 | $204 | $201 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 71% |
| C&I / Commercial | 21% |
| Agricultural | 6% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 11% |