Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.86% | +0.15 | 0.71% |
| Return on Equity (%) | ▲ | 8.01% | +0.49 | 7.52% |
| Net Interest Margin (%) | ▲ | 3.69% | +0.42 | 3.27% |
| Efficiency Ratio (%) | ▲ | 68.51% | -2.63 | 71.14% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.18 | $1 |
| Cost of Funds (%) | ▲ | 1.31% | -0.16 | 1.47% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $318 | +1.91 | $316 |
| Gross Loans ($M) | ▲ | $217 | +9.19 | $208 |
| Loan Growth YoY (%) | ▲ | 75.80% | +3.07 | 72.73% |
| Total Deposits ($M) | ▼ | $281 | -0.31 | $281 |
| Shareholders Equity ($M) | ▲ | $34 | +2.92 | $32 |
| Tang. Book Value ($M) | ▲ | $33 | +2.94 | $30 |
| TBV excl. AOCI ($M)** | ▲ | $36 | +2.62 | $34 |
| Loan / Deposit Ratio (%) | ▲ | 75.80% | +3.07 | 72.73% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 3.46% | +0.54 | 2.92% |
| Allowance / Loans (%) | — | 2.19% | 0.28% | 1.91% |
| Net Charge-Off Ratio (%) | ▼ | 4.67% | +0.63 | 4.04% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 18.66% | -0.17 | 18.84% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▅▇█ | Net Interest Margin (%) | 2.99% | 3.00% | 3.17% | 3.27% | 3.37% | 3.40% | 3.55% | 3.69% |
| ▁▁▂▃▄▂▇█ | Return on Assets (%) | 0.63% | 0.63% | 0.66% | 0.71% | 0.72% | 0.67% | 0.80% | 0.86% |
| █▇█▄▃▃▅▁ | Efficiency Ratio (%) | 74.3% | 73.1% | 73.8% | 71.1% | 70.4% | 70.6% | 71.6% | 68.5% |
| █▇▄▃▃▂▁▁ | Cost of Funds (%) | 1.79% | 1.73% | 1.54% | 1.47% | 1.47% | 1.42% | 1.32% | 1.31% |
| ▁▁▁▆▅▁▁█ | NPA / Assets (%) | 2.07% | 2.04% | 1.98% | 2.92% | 2.73% | 1.94% | 2.01% | 3.46% |
| ▃▃▂▆▅▁▁█ | Net Charge-Off Ratio (%) | 3.18% | 3.17% | 2.97% | 4.04% | 3.68% | 2.47% | 2.61% | 4.67% |
| ▃▁▃▅▇███ | Tang. Book Value ($M) | $28 | $27 | $29 | $30 | $32 | $32 | $32 | $33 |
| ▁▁▁▁▃▃▂█ | Gross Loans ($M) | $209 | $208 | $208 | $208 | $211 | $211 | $210 | $217 |
| ▆█▇▃▁▁▃▃ | Total Deposits ($M) | $287 | $292 | $288 | $281 | $277 | $276 | $281 | $281 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 73% |
| C&I / Commercial | 14% |
| Agricultural | 10% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 11% |