Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.79% | -0.01 | 0.80% |
| Return on Equity (%) | ▼ | 7.92% | -1.56 | 9.48% |
| Net Interest Margin (%) | ▲ | 4.24% | +0.31 | 3.92% |
| Efficiency Ratio (%) | ▲ | 72.51% | -1.30 | 73.81% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▲ | 0.71% | -0.30 | 1.01% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $355 | -14.76 | $370 |
| Gross Loans ($M) | ▼ | $189 | -8.85 | $197 |
| Loan Growth YoY (%) | ▼ | 59.27% | -0.79 | 60.06% |
| Total Deposits ($M) | ▼ | $314 | -10.13 | $324 |
| Shareholders Equity ($M) | ▲ | $37 | +4.27 | $32 |
| Tang. Book Value ($M) | ▲ | $37 | +4.27 | $32 |
| TBV excl. AOCI ($M)** | ▲ | $43 | +4.10 | $39 |
| Loan / Deposit Ratio (%) | ▼ | 59.27% | -0.79 | 60.06% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.51% | +1.47 | 0.04% |
| Allowance / Loans (%) | — | 1.27% | -0.09% | 1.36% |
| Net Charge-Off Ratio (%) | ▼ | 2.84% | +2.77 | 0.07% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 18.12% | +1.12 | 17.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▁▃▂▄▇█ | Net Interest Margin (%) | 3.82% | 3.85% | 3.78% | 3.92% | 3.85% | 3.96% | 4.16% | 4.24% |
| ▄█▁▆▄█▁▆ | Return on Assets (%) | 0.74% | 0.86% | 0.64% | 0.80% | 0.75% | 0.85% | 0.65% | 0.79% |
| ▄▁█▂▃▁▅▁ | Efficiency Ratio (%) | 74.9% | 72.9% | 78.1% | 73.8% | 74.4% | 72.5% | 75.4% | 72.5% |
| █▇▆▅▃▂▂▁ | Cost of Funds (%) | 1.19% | 1.12% | 1.07% | 1.01% | 0.88% | 0.81% | 0.78% | 0.71% |
| ▁▁▁▁▇▇▇█ | NPA / Assets (%) | 0.01% | 0.03% | 0.02% | 0.04% | 1.22% | 1.15% | 1.17% | 1.51% |
| ▁▁▁▁▇▇▇█ | Net Charge-Off Ratio (%) | 0.01% | 0.06% | 0.04% | 0.07% | 2.38% | 2.29% | 2.31% | 2.84% |
| ▁▁▃▄▆▇▇█ | Tang. Book Value ($M) | $29 | $29 | $31 | $32 | $34 | $35 | $36 | $37 |
| █▃▃▆▄▂▁▂ | Gross Loans ($M) | $206 | $191 | $192 | $197 | $194 | $187 | $184 | $189 |
| ▆▅▃▅█▅▁▁ | Total Deposits ($M) | $328 | $324 | $320 | $324 | $333 | $325 | $316 | $314 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 45% |
| C&I / Commercial | 25% |
| Agricultural | 11% |
| Consumer | 18% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 45% |
| Interest-Bearing (core) | 51% |
| Brokered / Other | 4% |