Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.62% | -0.07 | 1.69% |
| Return on Equity (%) | ▼ | 17.33% | -0.22 | 17.55% |
| Net Interest Margin (%) | ▼ | 3.71% | -0.21 | 3.93% |
| Efficiency Ratio (%) | ▼ | 46.84% | +0.33 | 46.52% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.07 | $1 |
| Cost of Funds (%) | ▲ | 1.55% | -0.12 | 1.68% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $233 | +19.69 | $213 |
| Gross Loans ($M) | ▼ | $132 | -5.40 | $137 |
| Loan Growth YoY (%) | ▼ | 62.08% | -8.91 | 70.98% |
| Total Deposits ($M) | ▲ | $210 | +18.66 | $191 |
| Shareholders Equity ($M) | ▲ | $22 | +1.17 | $21 |
| Tang. Book Value ($M) | ▲ | $22 | +1.17 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +2.32 | $23 |
| Loan / Deposit Ratio (%) | ▼ | 62.08% | -8.91 | 70.98% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.04% | -0.46 | 0.50% |
| Allowance / Loans (%) | — | 1.24% | 0.07% | 1.17% |
| Net Charge-Off Ratio (%) | ▲ | 0.07% | -0.71 | 0.78% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 17.01% | +1.35 | 15.66% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▄▆██▁▃ | Net Interest Margin (%) | 4.10% | 4.08% | 3.84% | 3.93% | 4.03% | 4.03% | 3.59% | 3.71% |
| ▆▄▄███▁▅ | Return on Assets (%) | 1.63% | 1.58% | 1.58% | 1.69% | 1.72% | 1.70% | 1.45% | 1.62% |
| ▆█▆▁▁▁█▁ | Efficiency Ratio (%) | 49.4% | 50.4% | 49.1% | 46.5% | 46.4% | 46.6% | 50.3% | 46.8% |
| ▇█▆▇█▃▁▁ | Cost of Funds (%) | 1.69% | 1.71% | 1.67% | 1.68% | 1.71% | 1.60% | 1.57% | 1.55% |
| ▃▁▁█▁▁▁▁ | NPA / Assets (%) | 0.18% | 0.03% | 0.06% | 0.50% | 0.05% | 0.03% | 0.03% | 0.04% |
| ▃▁▁█▁▁▁▁ | Net Charge-Off Ratio (%) | 0.24% | 0.05% | 0.09% | 0.78% | 0.07% | 0.05% | 0.05% | 0.07% |
| ▁▁▃▆▃▅▇█ | Tang. Book Value ($M) | $18 | $19 | $20 | $21 | $20 | $20 | $21 | $22 |
| ▂▅▂▃▅█▃▁ | Gross Loans ($M) | $135 | $140 | $135 | $137 | $140 | $146 | $136 | $132 |
| ▁▂▄▅▄▅▇█ | Total Deposits ($M) | $163 | $172 | $185 | $191 | $181 | $187 | $203 | $210 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 41% |
| C&I / Commercial | 7% |
| Agricultural | 49% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 23% |