Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.75% | -0.77 | 1.52% |
| Return on Equity (%) | ▼ | 6.61% | -8.16 | 14.77% |
| Net Interest Margin (%) | ▲ | 3.57% | +0.29 | 3.28% |
| Efficiency Ratio (%) | ▼ | 76.06% | +16.67 | 59.39% |
| Pre-Provision Profit ($M) | ▼ | $1 | -2.17 | $3 |
| Cost of Funds (%) | ▲ | 1.89% | -0.42 | 2.31% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $522 | -6.44 | $528 |
| Gross Loans ($M) | ▼ | $371 | -8.22 | $380 |
| Loan Growth YoY (%) | ▼ | 92.37% | -0.56 | 92.93% |
| Total Deposits ($M) | ▼ | $396 | -6.06 | $402 |
| Shareholders Equity ($M) | ▲ | $60 | +3.16 | $56 |
| Tang. Book Value ($M) | ▲ | $55 | +3.34 | $51 |
| TBV excl. AOCI ($M)** | ▲ | $60 | +4.18 | $55 |
| Loan / Deposit Ratio (%) | ▼ | 92.37% | -0.56 | 92.93% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.65% | +0.16 | 0.49% |
| Allowance / Loans (%) | — | 1.38% | -0.07% | 1.45% |
| Net Charge-Off Ratio (%) | ▼ | 0.79% | +0.68 | 0.12% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -12.07 | 12.07% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▃▄▇█ | Net Interest Margin (%) | 3.23% | 3.19% | 3.22% | 3.28% | 3.31% | 3.35% | 3.51% | 3.57% |
| ▁▁▂█▆▆▂▂ | Return on Assets (%) | 0.61% | 0.66% | 0.78% | 1.52% | 1.23% | 1.18% | 0.77% | 0.75% |
| ██▅▁▃▃▇▇ | Efficiency Ratio (%) | 80.6% | 78.0% | 71.7% | 59.4% | 65.8% | 66.0% | 75.7% | 76.1% |
| ▇█▆▆▄▂▁▁ | Cost of Funds (%) | 2.40% | 2.53% | 2.28% | 2.31% | 2.16% | 1.94% | 1.85% | 1.89% |
| ███▄▇▁▁▇ | NPA / Assets (%) | 0.75% | 0.70% | 0.74% | 0.49% | 0.64% | 0.33% | 0.27% | 0.65% |
| ██▄▁▂▃▂▇ | Net Charge-Off Ratio (%) | 0.99% | 0.90% | 0.50% | 0.12% | 0.33% | 0.43% | 0.33% | 0.79% |
| ▃▁▁▃▇█▇█ | Tang. Book Value ($M) | $51 | $50 | $50 | $51 | $54 | $54 | $54 | $55 |
| ██▇▆▃▁▄▄ | Gross Loans ($M) | $397 | $395 | $388 | $380 | $365 | $350 | $370 | $371 |
| ▆▆█▃▁▁▁▁ | Total Deposits ($M) | $419 | $416 | $429 | $402 | $395 | $394 | $392 | $396 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 8% |
| Agricultural | 9% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 16% |