Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 3.03% | -0.14 | 3.17% |
| Return on Equity (%) | ▲ | 26.20% | +1.41 | 24.79% |
| Net Interest Margin (%) | ▼ | 4.09% | -0.18 | 4.27% |
| Efficiency Ratio (%) | ▲ | 21.33% | -1.51 | 22.84% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.16 | $3 |
| Cost of Funds (%) | ▼ | 3.06% | +0.11 | 2.94% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $396 | +20.48 | $375 |
| Gross Loans ($M) | ▲ | $326 | +11.40 | $314 |
| Loan Growth YoY (%) | ▼ | 103.57% | -2.13 | 105.71% |
| Total Deposits ($M) | ▲ | $308 | +15.76 | $292 |
| Shareholders Equity ($M) | ▼ | $46 | -0.35 | $47 |
| Tang. Book Value ($M) | ▼ | $46 | -0.35 | $47 |
| Loan / Deposit Ratio (%) | ▼ | 103.57% | -2.13 | 105.71% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.98% | +0.54 | 1.44% |
| Allowance / Loans (%) | — | 1.96% | 0.35% | 1.61% |
| Net Charge-Off Ratio (%) | ▼ | 2.35% | +0.64 | 1.72% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 17.55% | -1.13 | 18.68% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▄▆▆▆▁▂ | Net Interest Margin (%) | 4.42% | 4.43% | 4.16% | 4.27% | 4.29% | 4.30% | 3.98% | 4.09% |
| ██▃▆▆▂▁▃ | Return on Assets (%) | 3.31% | 3.33% | 3.05% | 3.17% | 3.19% | 2.99% | 2.87% | 3.03% |
| ▂▂█▆▄▃▆▁ | Efficiency Ratio (%) | 21.8% | 21.8% | 23.5% | 22.8% | 22.3% | 21.9% | 22.7% | 21.3% |
| ▁▃▂▅▇█▆▇ | Cost of Funds (%) | 2.68% | 2.82% | 2.74% | 2.94% | 3.04% | 3.14% | 3.00% | 3.06% |
| ▁▆▄▄▇▆▅█ | NPA / Assets (%) | 1.04% | 1.63% | 1.44% | 1.44% | 1.80% | 1.71% | 1.52% | 1.98% |
| ▁▆▄▄▇▆▅█ | Net Charge-Off Ratio (%) | 1.29% | 2.03% | 1.82% | 1.72% | 2.13% | 2.08% | 1.86% | 2.35% |
| ▄▄█▅▂▁▅▅ | Tang. Book Value ($M) | $46 | $46 | $49 | $47 | $45 | $44 | $46 | $46 |
| ▁▁▂▆▇▆▆█ | Gross Loans ($M) | $285 | $287 | $293 | $314 | $320 | $312 | $315 | $326 |
| ▁▁▃▅▇███ | Total Deposits ($M) | $272 | $275 | $285 | $292 | $304 | $309 | $308 | $308 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 5% |
| Agricultural | 8% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 15% |