Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.95% | +0.20 | 0.74% |
| Return on Equity (%) | ▲ | 9.96% | +2.26 | 7.70% |
| Net Interest Margin (%) | ▼ | 4.45% | -0.05 | 4.50% |
| Efficiency Ratio (%) | ▲ | 65.34% | -5.25 | 70.59% |
| Pre-Provision Profit ($M) | ▲ | $5 | +1.39 | $4 |
| Cost of Funds (%) | ▲ | 2.17% | -0.34 | 2.51% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $1,353 | +113.04 | $1,240 |
| Gross Loans ($M) | ▲ | $1,135 | +115.55 | $1,020 |
| Loan Growth YoY (%) | ▲ | 99.81% | +6.46 | 93.34% |
| Total Deposits ($M) | ▲ | $1,124 | +45.57 | $1,078 |
| Shareholders Equity ($M) | ▲ | $131 | +12.31 | $119 |
| Tang. Book Value ($M) | ▲ | $111 | +13.37 | $98 |
| TBV excl. AOCI ($M)** | ▲ | $115 | +13.85 | $101 |
| Loan / Deposit Ratio (%) | ▲ | 99.81% | +6.46 | 93.34% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.55% | +0.73 | 1.82% |
| Allowance / Loans (%) | — | 1.20% | -0.10% | 1.30% |
| Net Charge-Off Ratio (%) | ▼ | 2.06% | +0.76 | 1.30% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▃▄▇▂▂ | Net Interest Margin (%) | 4.69% | 4.73% | 4.40% | 4.50% | 4.56% | 4.66% | 4.44% | 4.45% |
| █▇▁▁▁▂▁▂ | Return on Assets (%) | 2.15% | 1.89% | 0.78% | 0.74% | 0.86% | 0.95% | 0.85% | 0.95% |
| ▁▁▇█▇▇▅▄ | Efficiency Ratio (%) | 60.1% | 60.8% | 68.2% | 70.6% | 69.0% | 68.5% | 65.5% | 65.3% |
| █▆▄▅▅▁▁▁ | Cost of Funds (%) | 2.82% | 2.57% | 2.47% | 2.51% | 2.51% | 2.13% | 2.15% | 2.17% |
| ▁▂▂▂▂▁█▆ | NPA / Assets (%) | 1.46% | 1.70% | 1.86% | 1.82% | 1.84% | 1.56% | 3.07% | 2.55% |
| ▁▂▃▃▃▁█▆ | Net Charge-Off Ratio (%) | 0.81% | 1.13% | 1.35% | 1.30% | 1.30% | 0.76% | 2.69% | 2.06% |
| ▁▁▁▂▂▃▇█ | Tang. Book Value ($M) | $96 | $96 | $96 | $98 | $97 | $100 | $108 | $111 |
| ▁▁▃▂▂▆▇█ | Gross Loans ($M) | $983 | $990 | $1,033 | $1,020 | $1,020 | $1,085 | $1,110 | $1,135 |
| ▁▂▄▄▃██▆ | Total Deposits ($M) | $1,022 | $1,053 | $1,082 | $1,078 | $1,059 | $1,163 | $1,157 | $1,124 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 31% |
| Agricultural | 2% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 16% |