Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.75% | -0.15 | 0.90% |
| Return on Equity (%) | ▼ | 7.41% | -1.99 | 9.40% |
| Net Interest Margin (%) | ▲ | 3.45% | +0.10 | 3.36% |
| Efficiency Ratio (%) | ▼ | 73.09% | +5.12 | 67.97% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.30 | $1 |
| Cost of Funds (%) | ▲ | 1.73% | -0.19 | 1.93% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $386 | +4.16 | $382 |
| Gross Loans ($M) | ▲ | $249 | +22.52 | $227 |
| Loan Growth YoY (%) | ▲ | 72.10% | +6.16 | 65.94% |
| Total Deposits ($M) | ▲ | $342 | +2.20 | $340 |
| Shareholders Equity ($M) | ▲ | $41 | +2.10 | $38 |
| Tang. Book Value ($M) | ▲ | $41 | +2.10 | $38 |
| TBV excl. AOCI ($M)** | ▲ | $46 | +1.79 | $44 |
| Loan / Deposit Ratio (%) | ▲ | 72.10% | +6.16 | 65.94% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.42% | -0.01 | 0.43% |
| Allowance / Loans (%) | — | 1.04% | -0.10% | 1.13% |
| Net Charge-Off Ratio (%) | ▲ | 0.64% | -0.07 | 0.71% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▇▇█▇█ | Net Interest Margin (%) | 3.00% | 3.07% | 3.26% | 3.36% | 3.39% | 3.40% | 3.35% | 3.45% |
| ▆██▆▆▅▅▁ | Return on Assets (%) | 0.90% | 0.96% | 0.94% | 0.90% | 0.89% | 0.88% | 0.88% | 0.75% |
| ▂▁▁▁▆▁▄█ | Efficiency Ratio (%) | 68.4% | 67.9% | 67.4% | 68.0% | 71.0% | 67.4% | 69.7% | 73.1% |
| █▅▃▃▃▁▁▁ | Cost of Funds (%) | 2.37% | 2.13% | 1.92% | 1.93% | 1.95% | 1.77% | 1.78% | 1.73% |
| █▁▁▁▁▁▁▁ | NPA / Assets (%) | 0.65% | 0.44% | 0.41% | 0.43% | 0.43% | 0.41% | 0.41% | 0.42% |
| █▂▃▂▁▁▁▁ | Net Charge-Off Ratio (%) | 1.00% | 0.68% | 0.75% | 0.71% | 0.67% | 0.64% | 0.65% | 0.64% |
| ▇▁▃▄█▆▆▇ | Tang. Book Value ($M) | $40 | $36 | $37 | $38 | $41 | $39 | $39 | $41 |
| ▇▅▁▄▇█▇█ | Gross Loans ($M) | $244 | $232 | $212 | $227 | $240 | $249 | $244 | $249 |
| ▁▃█▃▁▆▆▄ | Total Deposits ($M) | $331 | $338 | $359 | $340 | $330 | $351 | $350 | $342 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 65% |
| C&I / Commercial | 9% |
| Agricultural | 23% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 11% |