Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.88% | -0.01 | 1.89% |
| Return on Equity (%) | ▼ | 17.32% | -0.80 | 18.12% |
| Net Interest Margin (%) | ▲ | 4.58% | +0.08 | 4.50% |
| Efficiency Ratio (%) | ▼ | 54.26% | +1.78 | 52.48% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.18 | $2 |
| Cost of Funds (%) | ▲ | 2.07% | -0.13 | 2.20% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $380 | +24.33 | $355 |
| Gross Loans ($M) | ▲ | $311 | +31.16 | $280 |
| Loan Growth YoY (%) | ▲ | 91.60% | +4.27 | 87.34% |
| Total Deposits ($M) | ▲ | $335 | +19.04 | $316 |
| Shareholders Equity ($M) | ▲ | $41 | +3.37 | $38 |
| Tang. Book Value ($M) | ▲ | $38 | +3.55 | $34 |
| TBV excl. AOCI ($M)** | ▲ | $40 | +3.84 | $36 |
| Loan / Deposit Ratio (%) | ▲ | 91.60% | +4.27 | 87.34% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.07% | -0.59 | 1.66% |
| Allowance / Loans (%) | — | 1.28% | -0.06% | 1.35% |
| Net Charge-Off Ratio (%) | ▲ | 1.31% | -0.28 | 1.58% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 11.96% | -0.32 | 12.28% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▃▁▂▃█▂▄ | Net Interest Margin (%) | 4.66% | 4.55% | 4.46% | 4.50% | 4.55% | 4.74% | 4.53% | 4.58% |
| ▆▅▃▅▅█▁▄ | Return on Assets (%) | 1.95% | 1.89% | 1.81% | 1.89% | 1.91% | 2.11% | 1.65% | 1.88% |
| ▁▁▄▂▃▁█▄ | Efficiency Ratio (%) | 52.2% | 52.3% | 54.8% | 52.5% | 53.5% | 51.4% | 58.4% | 54.3% |
| █▇▆▄▄▂▁▁ | Cost of Funds (%) | 2.40% | 2.36% | 2.29% | 2.20% | 2.21% | 2.15% | 2.10% | 2.07% |
| ▂▇█▆▆▁▁▃ | NPA / Assets (%) | 0.86% | 1.78% | 2.02% | 1.66% | 1.62% | 0.60% | 0.66% | 1.07% |
| ▂▇█▆▆▁▁▅ | Net Charge-Off Ratio (%) | 0.81% | 1.68% | 2.02% | 1.58% | 1.53% | 0.54% | 0.60% | 1.31% |
| ▂▁▂▃▅▇▇█ | Tang. Book Value ($M) | $34 | $32 | $34 | $34 | $35 | $37 | $37 | $38 |
| ▅▁▁▁▂▄▅█ | Gross Loans ($M) | $295 | $279 | $279 | $280 | $285 | $292 | $297 | $311 |
| ▁▃▁▂▃▆▆█ | Total Deposits ($M) | $313 | $320 | $313 | $316 | $320 | $327 | $328 | $335 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 57% |
| C&I / Commercial | 10% |
| Agricultural | 28% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 15% |