Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.28% | +0.30 | 0.98% |
| Return on Equity (%) | ▲ | 15.48% | +3.92 | 11.56% |
| Net Interest Margin (%) | ▲ | 4.65% | +0.21 | 4.43% |
| Efficiency Ratio (%) | ▲ | 70.99% | -2.88 | 73.87% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.16 | $1 |
| Cost of Funds (%) | ▲ | 1.30% | -0.10 | 1.39% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $270 | +9.98 | $260 |
| Gross Loans ($M) | ▼ | $181 | -8.21 | $189 |
| Loan Growth YoY (%) | ▼ | 75.52% | -12.71 | 88.24% |
| Total Deposits ($M) | ▲ | $235 | +23.73 | $211 |
| Shareholders Equity ($M) | ▲ | $24 | +0.76 | $23 |
| Tang. Book Value ($M) | ▲ | $24 | +0.75 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +1.52 | $26 |
| Loan / Deposit Ratio (%) | ▼ | 75.52% | -12.71 | 88.24% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.71% | +0.61 | 2.10% |
| Allowance / Loans (%) | — | 1.91% | 0.46% | 1.45% |
| Net Charge-Off Ratio (%) | ▼ | 4.03% | +1.14 | 2.89% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.21% | +0.51 | 13.70% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▅▆▅██ | Net Interest Margin (%) | 4.02% | 4.17% | 4.42% | 4.43% | 4.45% | 4.41% | 4.69% | 4.65% |
| ▂▄▇▄▅▁▇█ | Return on Assets (%) | 0.84% | 1.01% | 1.18% | 0.98% | 1.05% | 0.76% | 1.21% | 1.28% |
| █▅▃▄▄▄▁▂ | Efficiency Ratio (%) | 78.3% | 75.0% | 72.6% | 73.9% | 73.9% | 73.4% | 69.8% | 71.0% |
| █▂▃▄▆▂▁▂ | Cost of Funds (%) | 1.69% | 1.31% | 1.36% | 1.39% | 1.52% | 1.28% | 1.19% | 1.30% |
| ▂▁▁▁▃█▆▃ | NPA / Assets (%) | 2.53% | 1.95% | 2.18% | 2.10% | 2.72% | 4.28% | 3.42% | 2.71% |
| ▃▁▁▁▃█▆▃ | Net Charge-Off Ratio (%) | 3.82% | 2.86% | 3.08% | 2.89% | 3.76% | 6.11% | 5.25% | 4.03% |
| ▅▁▃▅█▄▅▇ | Tang. Book Value ($M) | $23 | $20 | $22 | $23 | $24 | $22 | $23 | $24 |
| ▁▂▃█▇█▇▄ | Gross Loans ($M) | $172 | $177 | $178 | $189 | $187 | $191 | $186 | $181 |
| ▁▄▂▁▁▆█▅ | Total Deposits ($M) | $213 | $228 | $218 | $211 | $216 | $238 | $253 | $235 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 69% |
| C&I / Commercial | 8% |
| Agricultural | 22% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 7% |