Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.37% | +0.34 | 1.04% |
| Return on Equity (%) | ▲ | 12.50% | +2.43 | 10.07% |
| Net Interest Margin (%) | ▲ | 3.98% | +0.01 | 3.97% |
| Efficiency Ratio (%) | ▲ | 46.62% | -13.38 | 60.00% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.33 | $0 |
| Cost of Funds (%) | ▲ | 1.75% | -0.17 | 1.92% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $101 | +8.10 | $93 |
| Gross Loans ($M) | ▲ | $61 | +5.05 | $56 |
| Loan Growth YoY (%) | ▼ | 70.95% | -0.40 | 71.36% |
| Total Deposits ($M) | ▲ | $84 | +7.44 | $76 |
| Shareholders Equity ($M) | ▲ | $11 | +1.52 | $10 |
| Tang. Book Value ($M) | ▲ | $11 | +1.52 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $13 | +1.71 | $12 |
| Loan / Deposit Ratio (%) | ▼ | 70.95% | -0.40 | 71.36% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.43% | -0.08 | 0.51% |
| Allowance / Loans (%) | — | 2.85% | -0.10% | 2.95% |
| Net Charge-Off Ratio (%) | ▲ | 0.70% | -0.13 | 0.84% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -18.55 | 18.55% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅███▃█ | Net Interest Margin (%) | 3.77% | 3.79% | 3.89% | 3.97% | 3.98% | 3.97% | 3.83% | 3.98% |
| ▅▅▃▄▅▆▁█ | Return on Assets (%) | 1.10% | 1.10% | 0.99% | 1.04% | 1.09% | 1.15% | 0.78% | 1.37% |
| ▇███▇▇█▁ | Efficiency Ratio (%) | 59.6% | 61.1% | 60.6% | 60.0% | 58.8% | 58.2% | 61.6% | 46.6% |
| █▅▃▄▄▃▃▁ | Cost of Funds (%) | 2.11% | 1.96% | 1.88% | 1.92% | 1.93% | 1.86% | 1.86% | 1.75% |
| █▇▆▅▄▃▃▁ | NPA / Assets (%) | 0.56% | 0.54% | 0.53% | 0.51% | 0.49% | 0.47% | 0.46% | 0.43% |
| ██▇▅▅▅▄▁ | Net Charge-Off Ratio (%) | 0.96% | 0.96% | 0.92% | 0.84% | 0.84% | 0.86% | 0.83% | 0.70% |
| ▃▁▂▄▆▇▇█ | Tang. Book Value ($M) | $10 | $9 | $9 | $10 | $11 | $11 | $11 | $11 |
| ▁▁▂▅▄▃▅█ | Gross Loans ($M) | $51 | $51 | $52 | $56 | $55 | $54 | $57 | $61 |
| ▁▂▃▃▄▇█▇ | Total Deposits ($M) | $71 | $74 | $76 | $76 | $77 | $83 | $86 | $84 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 48% |
| C&I / Commercial | 16% |
| Agricultural | 31% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 20% |