Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.65% | -0.08 | 0.73% |
| Return on Equity (%) | ▼ | 8.56% | -2.09 | 10.65% |
| Net Interest Margin (%) | ▼ | 3.44% | -0.01 | 3.45% |
| Efficiency Ratio (%) | ▼ | 76.06% | +0.28 | 75.78% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.05 | $1 |
| Cost of Funds (%) | ▲ | 1.21% | -0.12 | 1.34% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $251 | +13.49 | $237 |
| Gross Loans ($M) | ▲ | $127 | +3.99 | $123 |
| Loan Growth YoY (%) | ▼ | 53.80% | -0.96 | 54.76% |
| Total Deposits ($M) | ▲ | $230 | +11.22 | $219 |
| Shareholders Equity ($M) | ▲ | $19 | +2.37 | $17 |
| Tang. Book Value ($M) | ▲ | $19 | +2.37 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $22 | +2.29 | $20 |
| Loan / Deposit Ratio (%) | ▼ | 53.80% | -0.96 | 54.76% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.17% | -0.04 | 0.21% |
| Allowance / Loans (%) | — | 2.35% | -0.04% | 2.39% |
| Net Charge-Off Ratio (%) | ▲ | 0.34% | -0.07 | 0.41% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 19.50% | +0.72 | 18.78% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅███▅▇ | Net Interest Margin (%) | 3.19% | 3.19% | 3.37% | 3.45% | 3.49% | 3.46% | 3.37% | 3.44% |
| ▁▁▅▇█▇▅▅ | Return on Assets (%) | 0.52% | 0.51% | 0.65% | 0.73% | 0.77% | 0.73% | 0.66% | 0.65% |
| ██▆▃▂▁▁▄ | Efficiency Ratio (%) | 78.6% | 78.7% | 77.2% | 75.8% | 74.9% | 74.7% | 74.2% | 76.1% |
| █▆▄▃▂▁▁▁ | Cost of Funds (%) | 1.67% | 1.54% | 1.38% | 1.34% | 1.30% | 1.26% | 1.20% | 1.21% |
| ▆▁█▄▄▃▃▃ | NPA / Assets (%) | 0.28% | 0.09% | 0.37% | 0.21% | 0.20% | 0.18% | 0.19% | 0.17% |
| ▅▂█▅▁▄▄▄ | Net Charge-Off Ratio (%) | 0.47% | 0.15% | 0.75% | 0.41% | 0.06% | 0.37% | 0.39% | 0.34% |
| ▅▁▃▄████ | Tang. Book Value ($M) | $18 | $15 | $17 | $17 | $19 | $19 | $19 | $19 |
| █▂▁▅█▅▃█ | Gross Loans ($M) | $126 | $119 | $117 | $123 | $126 | $122 | $120 | $127 |
| ▁▆▆▅▆███ | Total Deposits ($M) | $202 | $221 | $220 | $219 | $223 | $230 | $230 | $230 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 56% |
| C&I / Commercial | 24% |
| Agricultural | 15% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 59% |
| Brokered / Other | 12% |