Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.42% | -0.16 | 1.58% |
| Return on Equity (%) | ▼ | 17.61% | -3.24 | 20.85% |
| Net Interest Margin (%) | ▲ | 4.16% | +0.14 | 4.02% |
| Efficiency Ratio (%) | ▲ | 56.77% | -0.51 | 57.28% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.18 | $1 |
| Cost of Funds (%) | ▲ | 2.63% | -0.25 | 2.88% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $348 | +47.96 | $300 |
| Gross Loans ($M) | ▲ | $311 | +41.57 | $269 |
| Loan Growth YoY (%) | ▼ | 103.43% | -0.04 | 103.47% |
| Total Deposits ($M) | ▲ | $297 | +39.58 | $257 |
| Shareholders Equity ($M) | ▲ | $28 | +5.09 | $23 |
| Tang. Book Value ($M) | ▲ | $27 | +5.10 | $22 |
| Loan / Deposit Ratio (%) | ▼ | 103.43% | -0.04 | 103.47% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.68% | +0.74 | 0.94% |
| Allowance / Loans (%) | — | 1.28% | 0.07% | 1.21% |
| Net Charge-Off Ratio (%) | ▲ | 0.59% | -0.42 | 1.01% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 9.39% | +0.35 | 9.04% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▇▇▇██ | Net Interest Margin (%) | 3.50% | 3.61% | 3.95% | 4.02% | 4.07% | 4.07% | 4.13% | 4.16% |
| ▁▂██▇▁▄▆ | Return on Assets (%) | 1.11% | 1.20% | 1.56% | 1.58% | 1.52% | 1.11% | 1.30% | 1.42% |
| █▇▂▁▂▂▁▁ | Efficiency Ratio (%) | 64.9% | 63.5% | 58.3% | 57.3% | 58.1% | 58.4% | 56.4% | 56.8% |
| ██▅▄▅▁▁▁ | Cost of Funds (%) | 3.29% | 3.21% | 3.01% | 2.88% | 2.96% | 2.70% | 2.70% | 2.63% |
| ▁▁▄▄▄███ | NPA / Assets (%) | 0.39% | 0.40% | 0.94% | 0.94% | 0.98% | 1.70% | 1.64% | 1.68% |
| ▁▁▄▄▄██▁ | Net Charge-Off Ratio (%) | 0.44% | 0.44% | 1.04% | 1.01% | 1.08% | 1.91% | 1.86% | 0.59% |
| ▁▁▂▃▄▇▇█ | Tang. Book Value ($M) | $20 | $21 | $21 | $22 | $23 | $26 | $26 | $27 |
| ▁▁▂▃▄▆▆█ | Gross Loans ($M) | $250 | $254 | $260 | $269 | $278 | $293 | $291 | $311 |
| ▁▂▃▃▄▄▆█ | Total Deposits ($M) | $240 | $249 | $256 | $257 | $266 | $267 | $281 | $297 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 14% |
| Agricultural | 5% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 11% |