Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.08% | +0.46 | 1.62% |
| Return on Equity (%) | ▲ | 13.32% | +2.53 | 10.79% |
| Net Interest Margin (%) | ▲ | 4.52% | +0.54 | 3.98% |
| Efficiency Ratio (%) | ▲ | 42.63% | -5.49 | 48.12% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.23 | $1 |
| Cost of Funds (%) | ▲ | 1.14% | -0.07 | 1.21% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $200 | +13.65 | $187 |
| Gross Loans ($M) | ▲ | $131 | +3.24 | $127 |
| Loan Growth YoY (%) | ▼ | 77.09% | -3.27 | 80.36% |
| Total Deposits ($M) | ▲ | $167 | +10.82 | $157 |
| Shareholders Equity ($M) | ▲ | $32 | +2.76 | $29 |
| Tang. Book Value ($M) | ▲ | $27 | +2.76 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +2.80 | $25 |
| Loan / Deposit Ratio (%) | ▼ | 77.09% | -3.27 | 80.36% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.13% | -0.12 | 0.25% |
| Allowance / Loans (%) | — | 1.19% | -0.01% | 1.20% |
| Net Charge-Off Ratio (%) | ▲ | 0.20% | -0.17 | 0.37% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 18.97% | +1.64 | 17.33% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▃▄█▇ | Net Interest Margin (%) | 3.74% | 3.74% | 3.93% | 3.98% | 4.05% | 4.11% | 4.71% | 4.52% |
| ▁▁▁▂▂▃█▇ | Return on Assets (%) | 1.55% | 1.52% | 1.59% | 1.62% | 1.67% | 1.74% | 2.19% | 2.08% |
| ▇███▇▅▁▂ | Efficiency Ratio (%) | 47.0% | 47.8% | 48.4% | 48.1% | 47.0% | 45.1% | 41.5% | 42.6% |
| █▇▄▄▄▄▁▃ | Cost of Funds (%) | 1.45% | 1.37% | 1.21% | 1.21% | 1.20% | 1.20% | 1.01% | 1.14% |
| █▄▂▄▃▂▁▁ | NPA / Assets (%) | 0.45% | 0.26% | 0.17% | 0.25% | 0.23% | 0.19% | 0.11% | 0.13% |
| █▄▂▄▃▂▁▁ | Net Charge-Off Ratio (%) | 0.61% | 0.37% | 0.25% | 0.37% | 0.32% | 0.27% | 0.17% | 0.20% |
| ▁▁▂▄▅▆▇█ | Tang. Book Value ($M) | $22 | $22 | $23 | $24 | $25 | $25 | $26 | $27 |
| █▅▁▁██▅▃ | Gross Loans ($M) | $139 | $133 | $128 | $127 | $138 | $139 | $133 | $131 |
| ▁▃▄▂▁▄█▇ | Total Deposits ($M) | $154 | $160 | $161 | $157 | $154 | $162 | $172 | $167 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 28% |
| C&I / Commercial | 14% |
| Agricultural | 57% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 6% |