Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.68% | +0.15 | 1.54% |
| Return on Equity (%) | ▲ | 16.37% | +0.18 | 16.19% |
| Net Interest Margin (%) | ▲ | 4.15% | +0.62 | 3.53% |
| Efficiency Ratio (%) | ▼ | 46.71% | +0.20 | 46.52% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.24 | $1 |
| Cost of Funds (%) | ▲ | 1.51% | -0.15 | 1.65% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $291 | -0.78 | $292 |
| Gross Loans ($M) | ▲ | $190 | +22.60 | $168 |
| Loan Growth YoY (%) | ▲ | 73.53% | +8.64 | 64.89% |
| Total Deposits ($M) | ▲ | $255 | +0.85 | $254 |
| Shareholders Equity ($M) | ▲ | $31 | +2.36 | $28 |
| Tang. Book Value ($M) | ▲ | $31 | +2.36 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $34 | +2.79 | $32 |
| Loan / Deposit Ratio (%) | ▲ | 73.53% | +8.64 | 64.89% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.37% | -0.18 | 0.55% |
| Allowance / Loans (%) | — | 1.50% | -0.19% | 1.69% |
| Net Charge-Off Ratio (%) | ▲ | 0.56% | -0.39 | 0.95% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.07% | -0.63 | 15.70% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▃▄▇█ | Net Interest Margin (%) | 3.43% | 3.38% | 3.41% | 3.53% | 3.65% | 3.70% | 4.01% | 4.15% |
| ▂▁▅▆▆▁██ | Return on Assets (%) | 1.28% | 1.21% | 1.46% | 1.54% | 1.53% | 1.17% | 1.68% | 1.68% |
| ▅▆▁▁▁█▁▁ | Efficiency Ratio (%) | 53.9% | 56.2% | 47.4% | 46.5% | 48.1% | 60.6% | 47.2% | 46.7% |
| █▄▆▃▅▂▁▁ | Cost of Funds (%) | 1.97% | 1.73% | 1.83% | 1.65% | 1.78% | 1.60% | 1.55% | 1.51% |
| ▅▃█▅▆▄▃▁ | NPA / Assets (%) | 0.54% | 0.48% | 0.72% | 0.55% | 0.60% | 0.54% | 0.47% | 0.37% |
| ▄▅█▅▆▆▃▁ | Net Charge-Off Ratio (%) | 0.87% | 0.94% | 1.20% | 0.95% | 0.99% | 0.99% | 0.75% | 0.56% |
| ▄▁▃▅█▆▇█ | Tang. Book Value ($M) | $27 | $25 | $27 | $28 | $30 | $29 | $30 | $31 |
| ▂▁▃▄▄▃▆█ | Gross Loans ($M) | $157 | $149 | $160 | $168 | $166 | $162 | $178 | $190 |
| ▁█▄█▄█▇█ | Total Deposits ($M) | $211 | $255 | $231 | $254 | $234 | $260 | $248 | $255 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 63% |
| C&I / Commercial | 14% |
| Agricultural | 17% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 13% |