Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.12% | +0.42 | 0.70% |
| Return on Equity (%) | ▲ | 12.41% | +4.21 | 8.20% |
| Net Interest Margin (%) | ▲ | 3.20% | +0.47 | 2.73% |
| Efficiency Ratio (%) | ▲ | 60.87% | -9.26 | 70.13% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.36 | $1 |
| Cost of Funds (%) | ▲ | 1.78% | -0.27 | 2.05% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $290 | +3.06 | $287 |
| Gross Loans ($M) | ▼ | $212 | -1.34 | $213 |
| Loan Growth YoY (%) | ▼ | 89.58% | -7.70 | 97.28% |
| Total Deposits ($M) | ▲ | $233 | +16.64 | $216 |
| Shareholders Equity ($M) | ▲ | $27 | +2.20 | $24 |
| Tang. Book Value ($M) | ▲ | $23 | +2.20 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +2.12 | $24 |
| Loan / Deposit Ratio (%) | ▼ | 89.58% | -7.70 | 97.28% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.10% | +0.02 | 1.08% |
| Allowance / Loans (%) | — | 1.58% | 0.19% | 1.39% |
| Net Charge-Off Ratio (%) | ▼ | 1.51% | +0.05 | 1.45% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 11.41% | +0.89 | 10.51% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▅██ | Net Interest Margin (%) | 2.31% | 2.35% | 2.71% | 2.73% | 2.79% | 2.83% | 3.12% | 3.20% |
| ▁▁▃▄▅▅▇█ | Return on Assets (%) | 0.43% | 0.49% | 0.69% | 0.70% | 0.80% | 0.80% | 1.03% | 1.12% |
| ██▅▅▄▄▁▁ | Efficiency Ratio (%) | 77.4% | 75.8% | 70.9% | 70.1% | 67.4% | 67.6% | 62.2% | 60.9% |
| █▆▃▄▄▃▁▁ | Cost of Funds (%) | 2.41% | 2.25% | 2.00% | 2.05% | 2.09% | 2.00% | 1.83% | 1.78% |
| ▄▄▃▁█▁▁▂ | NPA / Assets (%) | 1.20% | 1.19% | 1.15% | 1.08% | 1.42% | 1.04% | 1.05% | 1.10% |
| ▃▃▂▁█▂▁▁ | Net Charge-Off Ratio (%) | 1.59% | 1.59% | 1.54% | 1.45% | 1.90% | 1.53% | 1.48% | 1.51% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $20 | $20 | $20 | $21 | $22 | $22 | $23 | $23 |
| ▄▃▅██▁▂█ | Gross Loans ($M) | $205 | $202 | $206 | $213 | $213 | $197 | $201 | $212 |
| ▃▄▄▁▆██▆ | Total Deposits ($M) | $225 | $226 | $226 | $216 | $233 | $241 | $239 | $233 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 5% |
| Agricultural | 22% |
| Consumer | 1% |
| Other | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 80% |
| Brokered / Other | 7% |