Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.38% | +0.64 | 1.73% |
| Return on Equity (%) | ▲ | 21.82% | +5.33 | 16.49% |
| Net Interest Margin (%) | ▲ | 3.90% | +0.81 | 3.09% |
| Efficiency Ratio (%) | ▲ | 36.78% | -11.33 | 48.11% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.08 | $2 |
| Cost of Funds (%) | ▲ | 2.82% | -0.06 | 2.88% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $393 | +30.56 | $362 |
| Gross Loans ($M) | ▲ | $271 | +4.30 | $267 |
| Loan Growth YoY (%) | ▼ | 76.96% | -4.35 | 81.31% |
| Total Deposits ($M) | ▲ | $340 | +22.64 | $317 |
| Shareholders Equity ($M) | ▲ | $43 | +3.19 | $40 |
| Tang. Book Value ($M) | ▲ | $43 | +3.19 | $40 |
| TBV excl. AOCI ($M)** | ▲ | $48 | +4.32 | $44 |
| Loan / Deposit Ratio (%) | ▼ | 76.96% | -4.35 | 81.31% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.84% | -0.86 | 2.70% |
| Allowance / Loans (%) | — | 3.59% | 0.20% | 3.39% |
| Net Charge-Off Ratio (%) | ▲ | 2.66% | -1.00 | 3.66% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.52% | +0.84 | 14.68% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▃▃▃█▅ | Net Interest Margin (%) | 2.47% | 2.56% | 3.05% | 3.09% | 3.11% | 3.12% | 4.78% | 3.90% |
| ▁▁▂▃▃▃█▆ | Return on Assets (%) | 0.99% | 1.00% | 1.45% | 1.73% | 1.71% | 1.67% | 3.10% | 2.38% |
| ▆▇█▇▇▇▁▂ | Efficiency Ratio (%) | 46.3% | 48.9% | 52.4% | 48.1% | 47.5% | 49.0% | 31.7% | 36.8% |
| ██▃▄▄▃▁▃ | Cost of Funds (%) | 3.10% | 3.09% | 2.82% | 2.88% | 2.87% | 2.84% | 2.71% | 2.82% |
| █▃▄▆▇▅▁▁ | NPA / Assets (%) | 3.02% | 2.22% | 2.33% | 2.70% | 2.76% | 2.43% | 1.96% | 1.84% |
| █▂▃▆▆▄▁▁ | Net Charge-Off Ratio (%) | 4.23% | 3.04% | 3.23% | 3.66% | 3.76% | 3.38% | 2.74% | 2.66% |
| ▃▁▁▄▇▆██ | Tang. Book Value ($M) | $39 | $37 | $38 | $40 | $42 | $41 | $42 | $43 |
| ▁▁▁▃▅▄█▅ | Gross Loans ($M) | $264 | $264 | $263 | $267 | $273 | $270 | $279 | $271 |
| ▂▂▂▁▃▅██ | Total Deposits ($M) | $323 | $321 | $322 | $317 | $324 | $330 | $337 | $340 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 51% |
| C&I / Commercial | 16% |
| Agricultural | 30% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 8% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 15% |