Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.38% | -0.03 | 1.42% |
| Return on Equity (%) | ▼ | 13.71% | -1.57 | 15.28% |
| Net Interest Margin (%) | ▲ | 2.72% | +0.05 | 2.67% |
| Efficiency Ratio (%) | ▼ | 51.05% | +0.78 | 50.27% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.08 | $2 |
| Cost of Funds (%) | ▲ | 1.64% | -0.26 | 1.90% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $467 | +28.74 | $438 |
| Gross Loans ($M) | ▼ | $149 | -6.14 | $155 |
| Loan Growth YoY (%) | ▼ | 34.88% | -3.77 | 38.65% |
| Total Deposits ($M) | ▲ | $418 | +24.45 | $394 |
| Shareholders Equity ($M) | ▲ | $47 | +4.17 | $43 |
| Tang. Book Value ($M) | ▲ | $47 | +4.17 | $43 |
| TBV excl. AOCI ($M)** | ▲ | $51 | +3.91 | $47 |
| Loan / Deposit Ratio (%) | ▼ | 34.88% | -3.77 | 38.65% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.05% | -0.01 | 0.06% |
| Allowance / Loans (%) | — | 1.87% | 0.18% | 1.69% |
| Net Charge-Off Ratio (%) | ▲ | 0.17% | -0.01 | 0.18% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 32.11% | +3.80 | 28.31% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▆██▄█ | Net Interest Margin (%) | 2.58% | 2.60% | 2.62% | 2.67% | 2.71% | 2.73% | 2.65% | 2.72% |
| ▁▁██▆█▄▇ | Return on Assets (%) | 1.26% | 1.26% | 1.40% | 1.42% | 1.37% | 1.40% | 1.34% | 1.38% |
| ▆▄▇▄▂▁█▆ | Efficiency Ratio (%) | 51.0% | 50.3% | 51.5% | 50.3% | 49.6% | 49.2% | 51.9% | 51.1% |
| ██▅▆▅▂▁▁ | Cost of Funds (%) | 2.05% | 2.00% | 1.85% | 1.90% | 1.86% | 1.73% | 1.66% | 1.64% |
| █▇▅▅▆▃▂▁ | NPA / Assets (%) | 0.07% | 0.07% | 0.06% | 0.06% | 0.07% | 0.06% | 0.06% | 0.05% |
| █▆▄▂▄▂▁▁ | Net Charge-Off Ratio (%) | 0.22% | 0.20% | 0.19% | 0.18% | 0.19% | 0.18% | 0.17% | 0.17% |
| ▂▁▃▄▆▇▇█ | Tang. Book Value ($M) | $40 | $39 | $42 | $43 | $45 | $45 | $46 | $47 |
| ▁▄▇██▆▆▃ | Gross Loans ($M) | $146 | $150 | $153 | $155 | $155 | $152 | $152 | $149 |
| ▂▅▅▁▁▅▆█ | Total Deposits ($M) | $399 | $406 | $409 | $394 | $397 | $408 | $410 | $418 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 10% |
| Agricultural | 5% |
| Consumer | 1% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 8% |