Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.86% | +0.31 | 0.55% |
| Return on Equity (%) | ▲ | 11.04% | +2.81 | 8.23% |
| Net Interest Margin (%) | ▲ | 3.49% | +0.41 | 3.08% |
| Efficiency Ratio (%) | ▲ | 68.79% | -6.44 | 75.23% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.29 | $2 |
| Cost of Funds (%) | ▲ | 1.51% | -0.16 | 1.67% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $662 | +2.66 | $660 |
| Gross Loans ($M) | ▲ | $440 | +10.54 | $430 |
| Loan Growth YoY (%) | ▼ | 75.03% | -1.24 | 76.27% |
| Total Deposits ($M) | ▲ | $580 | +23.13 | $557 |
| Shareholders Equity ($M) | ▲ | $53 | +6.57 | $46 |
| Tang. Book Value ($M) | ▲ | $49 | +6.71 | $43 |
| TBV excl. AOCI ($M)** | ▲ | $56 | +6.41 | $50 |
| Loan / Deposit Ratio (%) | ▼ | 75.03% | -1.24 | 76.27% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.98% | -0.19 | 1.17% |
| Allowance / Loans (%) | — | 1.13% | -0.00% | 1.14% |
| Net Charge-Off Ratio (%) | ▲ | 1.34% | -0.32 | 1.65% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.76% | +0.48 | 12.28% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▆▇█ | Net Interest Margin (%) | 2.64% | 2.70% | 2.91% | 3.08% | 3.18% | 3.25% | 3.36% | 3.49% |
| ▁▂▁▄▆▆▆█ | Return on Assets (%) | 0.31% | 0.41% | 0.27% | 0.55% | 0.65% | 0.71% | 0.69% | 0.86% |
| █▇█▄▃▂▂▁ | Efficiency Ratio (%) | 84.6% | 81.4% | 85.1% | 75.2% | 73.4% | 72.7% | 71.7% | 68.8% |
| ██▇▃▃▂▁▁ | Cost of Funds (%) | 2.08% | 2.02% | 1.96% | 1.67% | 1.68% | 1.63% | 1.57% | 1.51% |
| ▃▁▄██▇█▅ | NPA / Assets (%) | 0.88% | 0.74% | 0.90% | 1.17% | 1.12% | 1.11% | 1.14% | 0.98% |
| ▃▁▃█▇▇█▅ | Net Charge-Off Ratio (%) | 1.17% | 0.98% | 1.22% | 1.65% | 1.55% | 1.56% | 1.61% | 1.34% |
| ▂▁▂▄▅▇▇█ | Tang. Book Value ($M) | $41 | $38 | $41 | $43 | $45 | $47 | $48 | $49 |
| █▃▃▃▃▃▁█ | Gross Loans ($M) | $439 | $430 | $429 | $430 | $429 | $430 | $425 | $440 |
| ▁▁▂▄▃▇▅█ | Total Deposits ($M) | $541 | $543 | $550 | $557 | $555 | $572 | $565 | $580 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 6% |
| Agricultural | 5% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 11% |