Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.94% | +0.35 | 0.59% |
| Return on Equity (%) | ▲ | 9.01% | +3.25 | 5.76% |
| Net Interest Margin (%) | ▲ | 3.95% | +0.17 | 3.78% |
| Efficiency Ratio (%) | ▲ | 66.19% | -1.14 | 67.33% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.53 | $1 |
| Cost of Funds (%) | ▲ | 2.47% | -0.28 | 2.75% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $611 | +6.10 | $605 |
| Gross Loans ($M) | ▼ | $440 | -32.48 | $472 |
| Loan Growth YoY (%) | ▼ | 79.50% | -6.62 | 86.11% |
| Total Deposits ($M) | ▲ | $546 | +5.12 | $541 |
| Shareholders Equity ($M) | ▲ | $64 | +1.69 | $62 |
| Tang. Book Value ($M) | ▲ | $64 | +1.69 | $62 |
| TBV excl. AOCI ($M)** | ▲ | $70 | +4.17 | $65 |
| Loan / Deposit Ratio (%) | ▼ | 79.50% | -6.62 | 86.11% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 4.08% | +0.32 | 3.76% |
| Allowance / Loans (%) | — | 1.24% | -0.07% | 1.32% |
| Net Charge-Off Ratio (%) | ▼ | 5.50% | +0.98 | 4.52% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.11% | +1.17 | 12.94% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁█▃▄▄█▆ | Net Interest Margin (%) | 3.63% | 3.68% | 4.13% | 3.78% | 3.84% | 3.87% | 4.08% | 3.95% |
| ▃▄▁▁▄▅██ | Return on Assets (%) | 0.72% | 0.75% | 0.62% | 0.59% | 0.74% | 0.79% | 0.97% | 0.94% |
| ▃▃▁█▇▇▄▆ | Efficiency Ratio (%) | 65.2% | 65.0% | 63.9% | 67.3% | 66.9% | 66.5% | 65.6% | 66.2% |
| █▅▄▄▂▂▁▁ | Cost of Funds (%) | 3.10% | 2.84% | 2.76% | 2.75% | 2.59% | 2.55% | 2.45% | 2.47% |
| ▁▂▁▅██▆▇ | NPA / Assets (%) | 2.94% | 3.16% | 2.98% | 3.76% | 4.42% | 4.30% | 3.88% | 4.08% |
| ▁▁▁▅██▆█ | Net Charge-Off Ratio (%) | 3.43% | 3.60% | 3.66% | 4.52% | 5.56% | 5.33% | 4.99% | 5.50% |
| ▁▁▁▂▇█▆█ | Tang. Book Value ($M) | $62 | $61 | $62 | $62 | $63 | $64 | $63 | $64 |
| ▆█▇▆▃▅▃▁ | Gross Loans ($M) | $477 | $492 | $482 | $472 | $455 | $467 | $454 | $440 |
| ▁▂█▅▃▁█▇ | Total Deposits ($M) | $530 | $531 | $549 | $541 | $534 | $528 | $551 | $546 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 3% |
| Agricultural | 11% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 11% |
| Interest-Bearing (core) | 85% |
| Brokered / Other | 4% |