Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.44% | +0.31 | 1.13% |
| Return on Equity (%) | ▲ | 11.38% | +1.55 | 9.83% |
| Net Interest Margin (%) | ▲ | 3.57% | +0.36 | 3.21% |
| Efficiency Ratio (%) | ▲ | 49.29% | -3.41 | 52.71% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.36 | $1 |
| Cost of Funds (%) | ▲ | 2.18% | -0.41 | 2.59% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $305 | +14.94 | $290 |
| Gross Loans ($M) | ▲ | $230 | +12.10 | $218 |
| Loan Growth YoY (%) | ▲ | 93.78% | +4.85 | 88.93% |
| Total Deposits ($M) | ▲ | $242 | +1.21 | $241 |
| Shareholders Equity ($M) | ▲ | $38 | +4.39 | $34 |
| Tang. Book Value ($M) | ▲ | $38 | +4.39 | $34 |
| TBV excl. AOCI ($M)** | ▲ | $42 | +4.48 | $37 |
| Loan / Deposit Ratio (%) | ▲ | 93.78% | +4.85 | 88.93% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.65% | -0.59 | 1.24% |
| Allowance / Loans (%) | — | 1.39% | -0.41% | 1.80% |
| Net Charge-Off Ratio (%) | ▲ | 0.32% | -0.76 | 1.08% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -14.26 | 14.26% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▆▆██ | Net Interest Margin (%) | 2.66% | 2.72% | 3.12% | 3.21% | 3.26% | 3.33% | 3.52% | 3.57% |
| ▃▁▆▆▇███ | Return on Assets (%) | 0.76% | 0.53% | 1.18% | 1.13% | 1.30% | 1.41% | 1.41% | 1.44% |
| ▇▆▅█▂▁▅▅ | Efficiency Ratio (%) | 51.8% | 50.6% | 49.4% | 52.7% | 46.9% | 45.5% | 49.7% | 49.3% |
| █▆▃▄▃▃▁▁ | Cost of Funds (%) | 3.08% | 2.85% | 2.43% | 2.59% | 2.50% | 2.44% | 2.20% | 2.18% |
| ▅██▅▃▂▁▁ | NPA / Assets (%) | 1.27% | 1.64% | 1.70% | 1.24% | 1.03% | 0.88% | 0.64% | 0.65% |
| ███▅▃▂▁▁ | Net Charge-Off Ratio (%) | 1.74% | 1.77% | 1.70% | 1.08% | 0.82% | 0.60% | 0.27% | 0.32% |
| ▂▁▂▃▆▇▇█ | Tang. Book Value ($M) | $33 | $32 | $33 | $34 | $36 | $37 | $38 | $38 |
| ▁▁▄▄▇▆▇█ | Gross Loans ($M) | $208 | $207 | $217 | $218 | $226 | $222 | $225 | $230 |
| ▁▃▁▁▇█▅▂ | Total Deposits ($M) | $240 | $244 | $241 | $241 | $249 | $252 | $247 | $242 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 43% |
| C&I / Commercial | 17% |
| Agricultural | 38% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 9% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 14% |