Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.49% | +0.76 | 0.72% |
| Return on Equity (%) | ▲ | 13.26% | +5.95 | 7.31% |
| Net Interest Margin (%) | ▲ | 4.30% | +0.36 | 3.94% |
| Efficiency Ratio (%) | ▲ | 62.10% | -1.31 | 63.41% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.22 | $1 |
| Cost of Funds (%) | ▲ | 1.38% | -0.11 | 1.49% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $384 | -4.53 | $389 |
| Gross Loans ($M) | ▼ | $228 | -15.87 | $244 |
| Loan Growth YoY (%) | ▼ | 75.27% | -2.20 | 77.46% |
| Total Deposits ($M) | ▼ | $299 | -11.71 | $311 |
| Shareholders Equity ($M) | ▲ | $44 | +5.07 | $39 |
| Tang. Book Value ($M) | ▲ | $41 | +5.07 | $36 |
| TBV excl. AOCI ($M)** | ▲ | $46 | +5.53 | $40 |
| Loan / Deposit Ratio (%) | ▼ | 75.27% | -2.20 | 77.46% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.53% | -0.71 | 1.24% |
| Allowance / Loans (%) | — | 1.13% | -0.02% | 1.15% |
| Net Charge-Off Ratio (%) | ▲ | 0.90% | -1.08 | 1.98% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.62% | +1.62 | 14.01% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▃▁▃▆▇██ | Net Interest Margin (%) | 3.94% | 3.94% | 3.73% | 3.94% | 4.14% | 4.20% | 4.26% | 4.30% |
| ▃▄▁▃▅▆██ | Return on Assets (%) | 0.71% | 0.83% | 0.32% | 0.72% | 0.97% | 1.15% | 1.41% | 1.49% |
| █▇▄▄▂▁▆▂ | Efficiency Ratio (%) | 66.3% | 65.4% | 63.5% | 63.4% | 62.2% | 61.0% | 64.9% | 62.1% |
| ██▇█▇▃▁▄ | Cost of Funds (%) | 1.50% | 1.51% | 1.47% | 1.49% | 1.48% | 1.36% | 1.29% | 1.38% |
| ▁▁██▇▂▃▂ | NPA / Assets (%) | 0.31% | 0.37% | 1.14% | 1.24% | 1.11% | 0.51% | 0.64% | 0.53% |
| ▁▁███▂▄▃ | Net Charge-Off Ratio (%) | 0.48% | 0.59% | 1.83% | 1.98% | 1.81% | 0.85% | 1.12% | 0.90% |
| ▃▁▁▂▆▇▆█ | Tang. Book Value ($M) | $36 | $35 | $35 | $36 | $39 | $40 | $39 | $41 |
| █▆▆▆▄▃▁▁ | Gross Loans ($M) | $251 | $245 | $245 | $244 | $237 | $234 | $227 | $228 |
| ▃█▇▅▃▃▆▁ | Total Deposits ($M) | $305 | $319 | $315 | $311 | $306 | $306 | $313 | $299 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 60% |
| C&I / Commercial | 18% |
| Agricultural | 20% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 6% |