Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.81% | +0.25 | 0.56% |
| Return on Equity (%) | ▲ | 7.47% | +1.54 | 5.93% |
| Net Interest Margin (%) | ▲ | 3.27% | +0.11 | 3.16% |
| Efficiency Ratio (%) | ▲ | 76.10% | -5.50 | 81.59% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.07 | $0 |
| Cost of Funds (%) | ▲ | 1.07% | -0.21 | 1.28% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $143 | +1.40 | $142 |
| Gross Loans ($M) | ▼ | $43 | -5.11 | $48 |
| Loan Growth YoY (%) | ▼ | 33.58% | -3.89 | 37.47% |
| Total Deposits ($M) | ▼ | $127 | -0.58 | $127 |
| Shareholders Equity ($M) | ▲ | $16 | +1.96 | $14 |
| Tang. Book Value ($M) | ▲ | $16 | +1.96 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +1.47 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 33.58% | -3.89 | 37.47% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.83% | -0.07 | 0.90% |
| Allowance / Loans (%) | — | 1.69% | 0.25% | 1.44% |
| Net Charge-Off Ratio (%) | ▼ | 2.75% | +0.10 | 2.65% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 32.79% | +3.94 | 28.85% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▄▁▄▇█▇█ | Net Interest Margin (%) | 3.13% | 3.15% | 3.04% | 3.16% | 3.25% | 3.29% | 3.25% | 3.27% |
| ▆▄▁▂▅▄▇█ | Return on Assets (%) | 0.72% | 0.64% | 0.48% | 0.56% | 0.67% | 0.63% | 0.75% | 0.81% |
| ▂▅█▆▃▅▂▁ | Efficiency Ratio (%) | 77.8% | 80.4% | 83.5% | 81.6% | 78.7% | 80.1% | 77.6% | 76.1% |
| █▇▆▆▄▂▂▁ | Cost of Funds (%) | 1.35% | 1.32% | 1.27% | 1.28% | 1.19% | 1.13% | 1.11% | 1.07% |
| ▁▆██▇█▇▇ | NPA / Assets (%) | 0.52% | 0.82% | 0.93% | 0.90% | 0.87% | 0.93% | 0.85% | 0.83% |
| ▁▆█▇▇█▇█ | Net Charge-Off Ratio (%) | 1.63% | 2.49% | 2.83% | 2.65% | 2.55% | 2.77% | 2.58% | 2.75% |
| ▃▁▂▄▆█▇█ | Tang. Book Value ($M) | $14 | $13 | $13 | $14 | $15 | $16 | $16 | $16 |
| ▄▅▆████▁ | Gross Loans ($M) | $46 | $47 | $47 | $48 | $49 | $49 | $49 | $43 |
| ▃▄▆▁▄▅█▁ | Total Deposits ($M) | $128 | $129 | $130 | $127 | $129 | $130 | $132 | $127 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 6% |
| Agricultural | 5% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 13% |