Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.64% | +0.09 | 1.55% |
| Return on Equity (%) | ▲ | 12.39% | +0.05 | 12.34% |
| Net Interest Margin (%) | ▲ | 4.10% | +0.07 | 4.03% |
| Efficiency Ratio (%) | ▲ | 50.02% | -1.59 | 51.61% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.18 | $1 |
| Cost of Funds (%) | ▲ | 1.69% | -0.16 | 1.85% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $142 | +13.34 | $128 |
| Gross Loans ($M) | ▲ | $96 | +5.74 | $90 |
| Loan Growth YoY (%) | ▼ | 77.81% | -2.68 | 80.49% |
| Total Deposits ($M) | ▲ | $122 | +11.28 | $110 |
| Shareholders Equity ($M) | ▲ | $19 | +2.01 | $17 |
| Tang. Book Value ($M) | ▲ | $19 | +2.01 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +2.12 | $18 |
| Loan / Deposit Ratio (%) | ▼ | 77.81% | -2.68 | 80.49% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.37% | -0.36 | 1.73% |
| Allowance / Loans (%) | — | 1.13% | -0.17% | 1.29% |
| Net Charge-Off Ratio (%) | ▲ | 2.04% | -0.43 | 2.47% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 21.22% | -0.00 | 21.23% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▅▁▅▇█▁█ | Net Interest Margin (%) | 3.97% | 4.03% | 3.95% | 4.03% | 4.07% | 4.09% | 3.95% | 4.10% |
| ▆█▆▅▆▆▁▇ | Return on Assets (%) | 1.59% | 1.72% | 1.59% | 1.55% | 1.63% | 1.61% | 1.37% | 1.64% |
| ▂▁▂▃▂▃█▁ | Efficiency Ratio (%) | 51.2% | 49.8% | 51.0% | 51.6% | 51.1% | 52.0% | 55.8% | 50.0% |
| █▇▄██▅▁▃ | Cost of Funds (%) | 1.84% | 1.80% | 1.71% | 1.85% | 1.82% | 1.74% | 1.62% | 1.69% |
| █▃▄▄▁▁▁▁ | NPA / Assets (%) | 2.46% | 1.70% | 1.74% | 1.73% | 1.41% | 1.32% | 1.27% | 1.37% |
| █▄▄▃▁▁▁▁ | Net Charge-Off Ratio (%) | 3.48% | 2.54% | 2.58% | 2.47% | 2.03% | 1.94% | 1.97% | 2.04% |
| ▁▁▃▄▆▆▇█ | Tang. Book Value ($M) | $16 | $16 | $16 | $17 | $18 | $18 | $18 | $19 |
| ▄▂▁▄▃▄▃█ | Gross Loans ($M) | $90 | $88 | $86 | $90 | $90 | $90 | $90 | $96 |
| ▁▃▁▁▁▃▇█ | Total Deposits ($M) | $111 | $114 | $110 | $110 | $110 | $114 | $120 | $122 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 47% |
| C&I / Commercial | 13% |
| Agricultural | 32% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 9% |