Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.83% | -0.33 | 2.16% |
| Return on Equity (%) | ▼ | 14.92% | -3.53 | 18.45% |
| Net Interest Margin (%) | ▼ | 6.09% | -0.25 | 6.34% |
| Efficiency Ratio (%) | ▼ | 64.77% | +5.16 | 59.61% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.15 | $1 |
| Cost of Funds (%) | ▼ | 0.70% | +0.12 | 0.58% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $203 | +18.77 | $184 |
| Gross Loans ($M) | ▲ | $135 | +11.38 | $124 |
| Loan Growth YoY (%) | ▼ | 76.50% | -0.88 | 77.38% |
| Total Deposits ($M) | ▲ | $174 | +16.74 | $158 |
| Shareholders Equity ($M) | ▲ | $25 | +2.14 | $23 |
| Tang. Book Value ($M) | ▲ | $25 | +2.14 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +2.00 | $25 |
| Loan / Deposit Ratio (%) | ▼ | 76.50% | -0.88 | 77.38% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.52% | +0.11 | 0.41% |
| Allowance / Loans (%) | — | 1.49% | -0.17% | 1.66% |
| Net Charge-Off Ratio (%) | ▼ | 0.78% | +0.17 | 0.60% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 18.05% | -0.28 | 18.33% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▇██▄▅ | Net Interest Margin (%) | 5.59% | 5.67% | 6.07% | 6.34% | 6.46% | 6.50% | 6.02% | 6.09% |
| ▄▃▆██▇▁▁ | Return on Assets (%) | 1.96% | 1.90% | 2.06% | 2.16% | 2.17% | 2.11% | 1.79% | 1.83% |
| ▁▃▄▃▄▅██ | Efficiency Ratio (%) | 56.2% | 58.9% | 60.3% | 59.6% | 60.0% | 61.5% | 65.5% | 64.8% |
| █▇▂▃▁▁▃▅ | Cost of Funds (%) | 0.95% | 0.86% | 0.57% | 0.58% | 0.45% | 0.49% | 0.60% | 0.70% |
| ▂▅█▁▂▁▆▅ | NPA / Assets (%) | 0.43% | 0.52% | 0.59% | 0.41% | 0.43% | 0.41% | 0.53% | 0.52% |
| ▃▆█▁▂▁▇▆ | Net Charge-Off Ratio (%) | 0.69% | 0.79% | 0.89% | 0.60% | 0.63% | 0.57% | 0.83% | 0.78% |
| ▄▁▃▅▇▅▇█ | Tang. Book Value ($M) | $23 | $21 | $22 | $23 | $24 | $23 | $24 | $25 |
| ▁▁▁▁▁▇▆█ | Gross Loans ($M) | $123 | $123 | $124 | $124 | $123 | $134 | $131 | $135 |
| ▆▄▄▂▁▃██ | Total Deposits ($M) | $170 | $162 | $163 | $158 | $152 | $159 | $177 | $174 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 8% |
| Agricultural | 1% |
| Consumer | 11% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 38% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 6% |