Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.62% | +0.48 | 1.14% |
| Return on Equity (%) | ▲ | 16.66% | +3.86 | 12.80% |
| Net Interest Margin (%) | ▲ | 4.46% | +0.41 | 4.05% |
| Efficiency Ratio (%) | ▲ | 64.69% | -2.99 | 67.68% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.25 | $2 |
| Cost of Funds (%) | ▲ | 1.53% | -0.16 | 1.69% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $427 | +1.23 | $426 |
| Gross Loans ($M) | ▼ | $313 | -3.24 | $316 |
| Loan Growth YoY (%) | ▼ | 80.78% | -1.25 | 82.03% |
| Total Deposits ($M) | ▲ | $382 | +1.43 | $381 |
| Shareholders Equity ($M) | ▲ | $43 | +4.59 | $39 |
| Tang. Book Value ($M) | ▲ | $41 | +4.61 | $36 |
| TBV excl. AOCI ($M)** | ▲ | $45 | +4.54 | $41 |
| Loan / Deposit Ratio (%) | ▼ | 80.78% | -1.25 | 82.03% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.82% | +0.31 | 0.50% |
| Allowance / Loans (%) | — | 1.32% | 0.13% | 1.20% |
| Net Charge-Off Ratio (%) | ▼ | 1.06% | +0.39 | 0.67% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.37% | +1.14 | 12.23% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▄▅██ | Net Interest Margin (%) | 3.63% | 3.68% | 3.95% | 4.05% | 4.03% | 4.12% | 4.41% | 4.46% |
| ▁▁▁▃▃▄▇█ | Return on Assets (%) | 0.94% | 1.00% | 0.93% | 1.14% | 1.12% | 1.22% | 1.53% | 1.62% |
| ██▅▃▄▃▁▁ | Efficiency Ratio (%) | 74.1% | 73.3% | 69.8% | 67.7% | 68.8% | 67.4% | 65.3% | 64.7% |
| █▇▄▅▆▄▁▁ | Cost of Funds (%) | 1.84% | 1.79% | 1.66% | 1.69% | 1.74% | 1.66% | 1.54% | 1.53% |
| ▁▁▁▄▇▇█▇ | NPA / Assets (%) | 0.17% | 0.12% | 0.15% | 0.50% | 0.79% | 0.78% | 0.99% | 0.82% |
| ▁▁▁▄▆▆█▇ | Net Charge-Off Ratio (%) | 0.24% | 0.15% | 0.20% | 0.67% | 0.99% | 0.99% | 1.29% | 1.06% |
| ▃▁▂▃▅▆▇█ | Tang. Book Value ($M) | $36 | $34 | $36 | $36 | $38 | $39 | $39 | $41 |
| ▁▂▃▅▇█▆▄ | Gross Loans ($M) | $302 | $307 | $311 | $316 | $324 | $328 | $318 | $313 |
| ▁▃▇▇▇▅█▇ | Total Deposits ($M) | $348 | $358 | $382 | $381 | $379 | $371 | $387 | $382 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 10% |
| Agricultural | 12% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 8% |