Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.96% | +0.26 | 1.70% |
| Return on Equity (%) | ▲ | 19.39% | +3.75 | 15.64% |
| Net Interest Margin (%) | ▲ | 4.45% | +0.37 | 4.08% |
| Efficiency Ratio (%) | ▲ | 39.05% | -1.59 | 40.64% |
| Pre-Provision Profit ($M) | ▲ | $25 | +4.16 | $21 |
| Cost of Funds (%) | ▲ | 1.88% | -0.48 | 2.36% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $3,487 | +171.27 | $3,315 |
| Gross Loans ($M) | ▲ | $2,716 | +166.15 | $2,550 |
| Loan Growth YoY (%) | ▲ | 86.49% | +0.44 | 86.05% |
| Total Deposits ($M) | ▲ | $3,101 | +175.04 | $2,926 |
| Shareholders Equity ($M) | ▼ | $365 | -3.23 | $368 |
| Tang. Book Value ($M) | ▼ | $365 | -3.21 | $368 |
| TBV excl. AOCI ($M)** | ▼ | $373 | -2.26 | $375 |
| Loan / Deposit Ratio (%) | ▲ | 86.49% | +0.44 | 86.05% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.28% | +0.02 | 0.26% |
| Allowance / Loans (%) | — | 1.28% | -0.01% | 1.29% |
| Net Charge-Off Ratio (%) | ▼ | 0.29% | +0.03 | 0.26% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.04% | -1.07 | 13.11% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▁▃▄▄▅█ | Net Interest Margin (%) | 4.39% | 4.34% | 3.95% | 4.08% | 4.15% | 4.20% | 4.24% | 4.45% |
| ▇▅▁▂▄▇▆█ | Return on Assets (%) | 1.88% | 1.81% | 1.64% | 1.70% | 1.77% | 1.88% | 1.84% | 1.96% |
| ▂▆▄▃█▇▂▁ | Efficiency Ratio (%) | 40.2% | 42.4% | 41.1% | 40.6% | 44.3% | 43.3% | 40.1% | 39.0% |
| ▇█▆▇▆▇▃▁ | Cost of Funds (%) | 2.32% | 2.46% | 2.30% | 2.36% | 2.28% | 2.36% | 2.06% | 1.88% |
| ▄▇█▆▁▁▆█ | NPA / Assets (%) | 0.23% | 0.27% | 0.28% | 0.26% | 0.20% | 0.21% | 0.26% | 0.28% |
| ▂▇█▅▁▁▆▇ | Net Charge-Off Ratio (%) | 0.23% | 0.29% | 0.30% | 0.26% | 0.20% | 0.21% | 0.27% | 0.29% |
| ▁▂▄▆█▁▃▅ | Tang. Book Value ($M) | $343 | $352 | $360 | $368 | $380 | $344 | $353 | $365 |
| ▁▁▂▄▅▅▆█ | Gross Loans ($M) | $2,426 | $2,404 | $2,466 | $2,550 | $2,596 | $2,562 | $2,635 | $2,716 |
| ▁▃▄▄██▇▇ | Total Deposits ($M) | $2,769 | $2,905 | $2,952 | $2,926 | $3,184 | $3,160 | $3,119 | $3,101 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 87% |
| C&I / Commercial | 11% |
| Agricultural | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 9% |