Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.92% | +0.24 | 0.68% |
| Return on Equity (%) | ▲ | 8.92% | +2.29 | 6.63% |
| Net Interest Margin (%) | ▲ | 3.34% | +0.23 | 3.11% |
| Efficiency Ratio (%) | ▲ | 71.60% | -5.69 | 77.29% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.32 | $1 |
| Cost of Funds (%) | ▲ | 1.90% | -0.26 | 2.16% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $557 | +36.74 | $521 |
| Gross Loans ($M) | ▲ | $427 | +9.90 | $417 |
| Loan Growth YoY (%) | ▼ | 85.35% | -3.53 | 88.88% |
| Total Deposits ($M) | ▲ | $495 | +30.81 | $464 |
| Shareholders Equity ($M) | ▲ | $57 | +3.65 | $54 |
| Tang. Book Value ($M) | ▲ | $53 | +3.65 | $50 |
| TBV excl. AOCI ($M)** | ▲ | $55 | +2.71 | $52 |
| Loan / Deposit Ratio (%) | ▼ | 85.35% | -3.53 | 88.88% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.07% | +0.02 | 0.06% |
| Allowance / Loans (%) | — | 1.07% | -0.02% | 1.09% |
| Net Charge-Off Ratio (%) | ▼ | 0.09% | +0.02 | 0.07% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 10.27% | -1.74 | 12.01% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆▇▇██ | Net Interest Margin (%) | 2.50% | 2.59% | 2.99% | 3.11% | 3.18% | 3.21% | 3.29% | 3.34% |
| ▁▁▃▅▅▅██ | Return on Assets (%) | 0.43% | 0.44% | 0.59% | 0.68% | 0.69% | 0.73% | 0.90% | 0.92% |
| ██▆▄▄▄▁▁ | Efficiency Ratio (%) | 83.6% | 83.8% | 79.3% | 77.3% | 77.2% | 76.2% | 71.8% | 71.6% |
| ██▄▆▄▄▁▂ | Cost of Funds (%) | 2.31% | 2.33% | 2.02% | 2.16% | 1.99% | 2.01% | 1.78% | 1.90% |
| ▁▁█▆▇▆▇█ | NPA / Assets (%) | 0.00% | 0.00% | 0.08% | 0.06% | 0.06% | 0.06% | 0.07% | 0.07% |
| ▁▁█▆▇▆██ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.10% | 0.07% | 0.07% | 0.07% | 0.09% | 0.09% |
| ▁▁▂▄▅▆▇█ | Tang. Book Value ($M) | $47 | $47 | $48 | $50 | $51 | $52 | $52 | $53 |
| ▁▃▃▅▄▆▆█ | Gross Loans ($M) | $402 | $410 | $409 | $417 | $413 | $420 | $420 | $427 |
| ▁▂▁▃▁▅██ | Total Deposits ($M) | $458 | $461 | $454 | $464 | $453 | $475 | $490 | $495 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 73% |
| C&I / Commercial | 7% |
| Agricultural | 18% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 79% |
| Brokered / Other | 6% |