Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.30% | +0.03 | 0.27% |
| Return on Equity (%) | ▲ | 2.93% | +0.17 | 2.76% |
| Net Interest Margin (%) | ▲ | 3.21% | +0.30 | 2.91% |
| Efficiency Ratio (%) | ▲ | 87.29% | -0.04 | 87.33% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.07 | $0 |
| Cost of Funds (%) | ▲ | 1.78% | -0.20 | 1.98% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $285 | -1.15 | $286 |
| Gross Loans ($M) | ▼ | $224 | -4.46 | $228 |
| Loan Growth YoY (%) | ▼ | 94.62% | -0.66 | 95.28% |
| Total Deposits ($M) | ▼ | $234 | -3.13 | $237 |
| Shareholders Equity ($M) | ▲ | $29 | +1.36 | $28 |
| Tang. Book Value ($M) | ▲ | $29 | +1.37 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +1.18 | $30 |
| Loan / Deposit Ratio (%) | ▼ | 94.62% | -0.66 | 95.28% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.02% | +0.75 | 1.28% |
| Allowance / Loans (%) | — | 1.07% | 0.05% | 1.02% |
| Net Charge-Off Ratio (%) | ▼ | 2.57% | +0.97 | 1.60% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 17.29% | +0.93 | 16.36% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▂▃▃██ | Net Interest Margin (%) | 2.82% | 2.82% | 2.92% | 2.91% | 2.95% | 2.94% | 3.22% | 3.21% |
| ▁▄█▅▆▅▇▇ | Return on Assets (%) | 0.21% | 0.25% | 0.31% | 0.27% | 0.29% | 0.27% | 0.30% | 0.30% |
| █▃▁▅▃▄▅▅ | Efficiency Ratio (%) | 88.7% | 86.6% | 85.7% | 87.3% | 86.7% | 86.8% | 87.3% | 87.3% |
| ██▇▆▇▆▂▁ | Cost of Funds (%) | 2.07% | 2.07% | 2.03% | 1.98% | 2.02% | 2.00% | 1.83% | 1.78% |
| ▃▁▁▄▆▂▂█ | NPA / Assets (%) | 1.12% | 0.84% | 0.68% | 1.28% | 1.63% | 1.00% | 0.95% | 2.02% |
| ▃▂▁▄▆▃▃█ | Net Charge-Off Ratio (%) | 1.38% | 1.04% | 0.72% | 1.60% | 2.04% | 1.29% | 1.20% | 2.57% |
| ▂▁▃▃▅▇▇█ | Tang. Book Value ($M) | $27 | $27 | $28 | $28 | $28 | $29 | $29 | $29 |
| ██▅▅▃▁▁▂ | Gross Loans ($M) | $233 | $232 | $229 | $228 | $225 | $222 | $221 | $224 |
| ██▅█▃█▁▅ | Total Deposits ($M) | $237 | $238 | $234 | $237 | $231 | $238 | $229 | $234 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 97% |
| C&I / Commercial | 2% |
| Agricultural | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 24% |