Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.48% | +0.09 | 1.39% |
| Return on Equity (%) | ▼ | 19.14% | -0.82 | 19.96% |
| Net Interest Margin (%) | ▲ | 4.36% | +0.42 | 3.95% |
| Efficiency Ratio (%) | ▲ | 61.67% | -2.33 | 64.00% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.14 | $1 |
| Cost of Funds (%) | ▲ | 1.76% | -0.10 | 1.85% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $249 | +11.87 | $237 |
| Gross Loans ($M) | ▲ | $177 | +23.72 | $153 |
| Loan Growth YoY (%) | ▲ | 79.35% | +7.54 | 71.80% |
| Total Deposits ($M) | ▲ | $221 | +9.25 | $212 |
| Shareholders Equity ($M) | ▲ | $19 | +2.22 | $17 |
| Tang. Book Value ($M) | ▲ | $19 | +2.22 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +2.16 | $19 |
| Loan / Deposit Ratio (%) | ▲ | 79.35% | +7.54 | 71.80% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.10% | +0.20 | 0.90% |
| Allowance / Loans (%) | — | 1.05% | 0.11% | 0.95% |
| Net Charge-Off Ratio (%) | ▼ | 1.55% | +0.16 | 1.39% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 11.64% | -0.83 | 12.47% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▁▂▃▄▇█ | Net Interest Margin (%) | 4.39% | 4.31% | 3.85% | 3.95% | 3.99% | 4.08% | 4.30% | 4.36% |
| █▇▁▃▂▂▁▄ | Return on Assets (%) | 1.90% | 1.80% | 1.16% | 1.39% | 1.31% | 1.31% | 1.22% | 1.48% |
| ▁▁█▆▇▇▇▄ | Efficiency Ratio (%) | 57.3% | 58.1% | 67.4% | 64.0% | 65.9% | 65.5% | 65.1% | 61.7% |
| ▅█▄▄▄▃▁▁ | Cost of Funds (%) | 1.89% | 2.02% | 1.87% | 1.85% | 1.84% | 1.82% | 1.72% | 1.76% |
| ▁▁▆▄▅▂█▅ | NPA / Assets (%) | 0.60% | 0.56% | 1.22% | 0.90% | 1.07% | 0.76% | 1.46% | 1.10% |
| ▁▁█▅▆▃█▅ | Net Charge-Off Ratio (%) | 0.73% | 0.86% | 1.96% | 1.39% | 1.64% | 1.13% | 2.05% | 1.55% |
| ▂▁▁▃▅▆██ | Tang. Book Value ($M) | $17 | $16 | $16 | $17 | $18 | $18 | $19 | $19 |
| ▁▂▁▂▃▄▇█ | Gross Loans ($M) | $149 | $153 | $147 | $153 | $156 | $161 | $173 | $177 |
| ▄▁▄▃▄▃▅█ | Total Deposits ($M) | $214 | $208 | $213 | $212 | $214 | $212 | $215 | $221 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 16% |
| Agricultural | 10% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 7% |