Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.20% | +0.38 | 0.82% |
| Return on Equity (%) | ▲ | 11.72% | +3.16 | 8.56% |
| Net Interest Margin (%) | ▲ | 3.40% | +0.15 | 3.25% |
| Efficiency Ratio (%) | ▲ | 60.14% | -1.67 | 61.81% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.12 | $2 |
| Cost of Funds (%) | ▲ | 1.56% | -0.19 | 1.75% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $469 | +11.07 | $458 |
| Gross Loans ($M) | ▼ | $231 | -22.38 | $253 |
| Loan Growth YoY (%) | ▼ | 54.93% | -6.44 | 61.38% |
| Total Deposits ($M) | ▲ | $415 | +7.83 | $408 |
| Shareholders Equity ($M) | ▲ | $48 | +3.11 | $45 |
| Tang. Book Value ($M) | ▲ | $44 | +3.13 | $40 |
| TBV excl. AOCI ($M)** | ▲ | $53 | +4.07 | $48 |
| Loan / Deposit Ratio (%) | ▼ | 54.93% | -6.44 | 61.38% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.79% | +0.34 | 0.45% |
| Allowance / Loans (%) | — | 1.26% | -0.05% | 1.31% |
| Net Charge-Off Ratio (%) | ▼ | 1.60% | +0.79 | 0.81% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▅▆▄█ | Net Interest Margin (%) | 3.13% | 3.15% | 3.17% | 3.25% | 3.29% | 3.33% | 3.26% | 3.40% |
| ▁▃▃▃▂▃█▇ | Return on Assets (%) | 0.63% | 0.89% | 0.82% | 0.82% | 0.81% | 0.88% | 1.38% | 1.20% |
| ███▅▂▂▁▁ | Efficiency Ratio (%) | 63.3% | 63.3% | 63.3% | 61.8% | 60.7% | 60.7% | 60.5% | 60.1% |
| ██▅▅▆▄▁▁ | Cost of Funds (%) | 1.86% | 1.89% | 1.75% | 1.75% | 1.80% | 1.70% | 1.56% | 1.56% |
| ▂▁▁▄▅▆▇█ | NPA / Assets (%) | 0.32% | 0.28% | 0.22% | 0.45% | 0.52% | 0.61% | 0.72% | 0.79% |
| ▂▁▁▃▄▅██ | Net Charge-Off Ratio (%) | 0.58% | 0.49% | 0.41% | 0.81% | 0.92% | 1.08% | 1.46% | 1.60% |
| ▄▁▃▅▇█▇█ | Tang. Book Value ($M) | $40 | $37 | $39 | $40 | $43 | $43 | $43 | $44 |
| ▇█▇██▇▁▁ | Gross Loans ($M) | $248 | $252 | $251 | $253 | $253 | $248 | $233 | $231 |
| ▂▂▇▄▁▃█▆ | Total Deposits ($M) | $403 | $403 | $416 | $408 | $397 | $404 | $422 | $415 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 15% |
| Agricultural | 14% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 13% |