Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.51% | +0.28 | 1.23% |
| Return on Equity (%) | ▲ | 8.84% | +1.25 | 7.59% |
| Net Interest Margin (%) | ▲ | 3.95% | +0.50 | 3.45% |
| Efficiency Ratio (%) | ▲ | 50.20% | -4.03 | 54.23% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.36 | $1 |
| Cost of Funds (%) | ▲ | 1.31% | -0.13 | 1.44% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $349 | +1.60 | $347 |
| Gross Loans ($M) | ▲ | $226 | +0.33 | $226 |
| Loan Growth YoY (%) | ▲ | 78.54% | +0.60 | 77.95% |
| Total Deposits ($M) | ▼ | $284 | -1.74 | $286 |
| Shareholders Equity ($M) | ▲ | $60 | +3.44 | $57 |
| Tang. Book Value ($M) | ▲ | $60 | +3.44 | $56 |
| TBV excl. AOCI ($M)** | ▲ | $65 | +3.49 | $61 |
| Loan / Deposit Ratio (%) | ▲ | 78.54% | +0.60 | 77.95% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.35% | +0.03 | 0.32% |
| Allowance / Loans (%) | — | 1.41% | -0.01% | 1.42% |
| Net Charge-Off Ratio (%) | ▼ | 0.54% | +0.05 | 0.49% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 25.45% | +0.73 | 24.72% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▄▅██ | Net Interest Margin (%) | 3.10% | 3.16% | 3.41% | 3.45% | 3.51% | 3.59% | 3.86% | 3.95% |
| ▁▁▄▄▅▅██ | Return on Assets (%) | 0.97% | 0.97% | 1.20% | 1.23% | 1.27% | 1.25% | 1.46% | 1.51% |
| ██▄▃▃▄▁▁ | Efficiency Ratio (%) | 60.7% | 61.4% | 54.6% | 54.2% | 53.8% | 55.5% | 50.8% | 50.2% |
| ▇█▄▄▅▅▁▁ | Cost of Funds (%) | 1.54% | 1.59% | 1.44% | 1.44% | 1.46% | 1.47% | 1.33% | 1.31% |
| ▂▁▄▆▇▇█▇ | NPA / Assets (%) | 0.27% | 0.23% | 0.29% | 0.32% | 0.35% | 0.34% | 0.37% | 0.35% |
| ▃▁▄▆▇▆█▇ | Net Charge-Off Ratio (%) | 0.40% | 0.34% | 0.44% | 0.49% | 0.54% | 0.51% | 0.58% | 0.54% |
| ▃▁▃▃▇▆██ | Tang. Book Value ($M) | $56 | $54 | $56 | $56 | $59 | $58 | $59 | $60 |
| ▆█▁▁▃▆▁▁ | Gross Loans ($M) | $232 | $235 | $225 | $226 | $228 | $232 | $226 | $226 |
| ▁▆▅▄▆▁█▂ | Total Deposits ($M) | $282 | $287 | $286 | $286 | $287 | $283 | $289 | $284 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 12% |
| Agricultural | 13% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 10% |