Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.45% | -0.26 | 1.72% |
| Return on Equity (%) | ▼ | 17.48% | -3.17 | 20.65% |
| Net Interest Margin (%) | ▼ | 3.95% | -0.04 | 3.98% |
| Efficiency Ratio (%) | ▲ | 56.65% | -0.58 | 57.22% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.17 | $2 |
| Cost of Funds (%) | ▲ | 2.37% | -0.27 | 2.65% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $457 | +10.09 | $447 |
| Gross Loans ($M) | ▲ | $333 | +2.79 | $330 |
| Loan Growth YoY (%) | ▼ | 80.39% | -5.65 | 86.04% |
| Total Deposits ($M) | ▲ | $412 | +30.35 | $381 |
| Shareholders Equity ($M) | ▲ | $38 | +1.74 | $37 |
| Tang. Book Value ($M) | ▲ | $38 | +1.74 | $37 |
| TBV excl. AOCI ($M)** | ▲ | $40 | +2.37 | $37 |
| Loan / Deposit Ratio (%) | ▼ | 80.39% | -5.65 | 86.04% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.17% | -0.27 | 1.44% |
| Allowance / Loans (%) | — | 0.53% | -0.02% | 0.55% |
| Net Charge-Off Ratio (%) | ▲ | 1.29% | -0.60 | 1.89% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.93% | +0.34 | 14.59% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▄▄▅▄▁▃ | Net Interest Margin (%) | 4.29% | 4.25% | 3.99% | 3.98% | 4.05% | 4.04% | 3.79% | 3.95% |
| ██▅▆▆▆▁▃ | Return on Assets (%) | 1.83% | 1.89% | 1.56% | 1.72% | 1.70% | 1.63% | 1.20% | 1.45% |
| ▅▃█▁▁▂█▁ | Efficiency Ratio (%) | 59.2% | 58.1% | 61.5% | 57.2% | 56.7% | 57.5% | 61.2% | 56.6% |
| █▇▆▆▇▄▆▁ | Cost of Funds (%) | 2.74% | 2.69% | 2.62% | 2.65% | 2.68% | 2.52% | 2.64% | 2.37% |
| ▂▁▁▃▆█▆▁ | NPA / Assets (%) | 1.24% | 1.02% | 1.02% | 1.44% | 2.10% | 2.66% | 2.07% | 1.17% |
| ▁▁▁▃▇█▅▁ | Net Charge-Off Ratio (%) | 1.53% | 1.29% | 1.30% | 1.89% | 2.81% | 3.32% | 2.46% | 1.29% |
| ▁▁▅▅▆▆██ | Tang. Book Value ($M) | $35 | $35 | $37 | $37 | $37 | $37 | $39 | $38 |
| ▁▁▅▆▇█▅█ | Gross Loans ($M) | $321 | $321 | $328 | $330 | $332 | $334 | $328 | $333 |
| ▁▃▄▅▅▇██ | Total Deposits ($M) | $341 | $359 | $372 | $381 | $383 | $403 | $406 | $412 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 93% |
| C&I / Commercial | 4% |
| Agricultural | 1% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 46% |
| Brokered / Other | 30% |