Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.91% | +0.01 | 0.90% |
| Return on Equity (%) | ▼ | 11.27% | -1.63 | 12.90% |
| Net Interest Margin (%) | ▲ | 3.34% | +0.12 | 3.22% |
| Efficiency Ratio (%) | ▲ | 60.79% | -0.53 | 61.31% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.05 | $0 |
| Cost of Funds (%) | ▲ | 2.59% | -0.36 | 2.95% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $151 | +3.85 | $147 |
| Gross Loans ($M) | ▲ | $93 | +2.98 | $90 |
| Loan Growth YoY (%) | ▲ | 67.90% | +2.00 | 65.91% |
| Total Deposits ($M) | ▲ | $135 | +0.42 | $135 |
| Shareholders Equity ($M) | ▲ | $12 | +1.48 | $11 |
| Tang. Book Value ($M) | ▲ | $12 | +1.48 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +1.53 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 67.90% | +2.00 | 65.91% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.02% | +0.07 | 0.94% |
| Allowance / Loans (%) | — | 1.00% | -0.03% | 1.03% |
| Net Charge-Off Ratio (%) | ▲ | 1.03% | -0.40 | 1.43% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.66% | +0.54 | 12.12% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▂▁▁▄▅▇█ | Net Interest Margin (%) | 3.27% | 3.23% | 3.21% | 3.22% | 3.26% | 3.28% | 3.31% | 3.34% |
| ▁▁▅▅▆█▄▅ | Return on Assets (%) | 0.80% | 0.80% | 0.90% | 0.90% | 0.94% | 0.99% | 0.87% | 0.91% |
| ▅█▅▅▁▁▅▃ | Efficiency Ratio (%) | 61.3% | 62.1% | 61.4% | 61.3% | 60.2% | 60.4% | 61.2% | 60.8% |
| ██▅▅▅▃▁▁ | Cost of Funds (%) | 3.23% | 3.18% | 2.95% | 2.95% | 2.93% | 2.76% | 2.54% | 2.59% |
| ▃▄▇▄▁██▆ | NPA / Assets (%) | 0.91% | 0.93% | 1.06% | 0.94% | 0.79% | 1.11% | 1.07% | 1.02% |
| ▄▅█▅▃██▁ | Net Charge-Off Ratio (%) | 1.33% | 1.41% | 1.69% | 1.43% | 1.22% | 1.70% | 1.63% | 1.03% |
| ▂▁▂▅▇█▇█ | Tang. Book Value ($M) | $10 | $9 | $10 | $11 | $12 | $12 | $12 | $12 |
| ▆▅▁▄▂▅▇█ | Gross Loans ($M) | $91 | $91 | $88 | $90 | $89 | $91 | $92 | $93 |
| ▁▃▅██▅██ | Total Deposits ($M) | $123 | $127 | $130 | $135 | $136 | $131 | $136 | $135 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 58% |
| C&I / Commercial | 25% |
| Agricultural | 7% |
| Consumer | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 11% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 34% |