Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.96% | +0.35 | 1.61% |
| Return on Equity (%) | ▲ | 22.19% | +2.18 | 20.01% |
| Net Interest Margin (%) | ▲ | 4.05% | +0.13 | 3.92% |
| Efficiency Ratio (%) | ▲ | 47.81% | -3.30 | 51.12% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.18 | $2 |
| Cost of Funds (%) | ▲ | 1.96% | -0.19 | 2.15% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $417 | +9.58 | $407 |
| Gross Loans ($M) | ▲ | $347 | +11.52 | $335 |
| Loan Growth YoY (%) | ▼ | 93.35% | -0.94 | 94.29% |
| Total Deposits ($M) | ▲ | $367 | +15.59 | $351 |
| Shareholders Equity ($M) | ▲ | $38 | +5.24 | $33 |
| Tang. Book Value ($M) | ▲ | $37 | +5.24 | $32 |
| TBV excl. AOCI ($M)** | ▲ | $40 | +5.19 | $34 |
| Loan / Deposit Ratio (%) | ▼ | 93.35% | -0.94 | 94.29% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.35% | +0.86 | 0.49% |
| Allowance / Loans (%) | — | 1.27% | 0.04% | 1.24% |
| Net Charge-Off Ratio (%) | ▼ | 1.62% | +1.03 | 0.60% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▄▅█▇ | Net Interest Margin (%) | 3.85% | 3.83% | 3.86% | 3.92% | 3.96% | 3.97% | 4.08% | 4.05% |
| ▂▁▁▃▄▄██ | Return on Assets (%) | 1.51% | 1.45% | 1.39% | 1.61% | 1.66% | 1.68% | 2.02% | 1.96% |
| ▇█▅▄▄▅▁▂ | Efficiency Ratio (%) | 54.2% | 55.7% | 52.1% | 51.1% | 50.2% | 52.0% | 46.6% | 47.8% |
| ▇█▃▄▅▃▁▁ | Cost of Funds (%) | 2.35% | 2.46% | 2.11% | 2.15% | 2.24% | 2.14% | 1.97% | 1.96% |
| ▁▁▁▂▂▅██ | NPA / Assets (%) | 0.32% | 0.37% | 0.42% | 0.49% | 0.57% | 0.94% | 1.36% | 1.35% |
| ▁▁▁▂▂▅██ | Net Charge-Off Ratio (%) | 0.41% | 0.46% | 0.54% | 0.60% | 0.69% | 1.14% | 1.67% | 1.62% |
| ▁▁▁▃▅▆▇█ | Tang. Book Value ($M) | $31 | $30 | $31 | $32 | $34 | $35 | $36 | $37 |
| ▁▁▂▆▇█▆█ | Gross Loans ($M) | $306 | $308 | $313 | $335 | $343 | $350 | $339 | $347 |
| ▁▃▇▅▅▆█▇ | Total Deposits ($M) | $322 | $337 | $367 | $351 | $357 | $358 | $378 | $367 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 46% |
| C&I / Commercial | 6% |
| Agricultural | 42% |
| Consumer | 5% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 12% |