Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.09% | +0.12 | 0.97% |
| Return on Equity (%) | ▼ | 11.51% | -0.05 | 11.56% |
| Net Interest Margin (%) | ▲ | 2.98% | +0.09 | 2.89% |
| Efficiency Ratio (%) | ▲ | 53.46% | -1.74 | 55.20% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.01 | $0 |
| Cost of Funds (%) | ▲ | 1.35% | -0.12 | 1.47% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $129 | +2.17 | $127 |
| Gross Loans ($M) | ▼ | $38 | -0.51 | $38 |
| Loan Growth YoY (%) | ▼ | 32.06% | -0.64 | 32.70% |
| Total Deposits ($M) | ▲ | $116 | +0.70 | $115 |
| Shareholders Equity ($M) | ▲ | $12 | +1.46 | $11 |
| Tang. Book Value ($M) | ▲ | $12 | +1.46 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +1.66 | $14 |
| Loan / Deposit Ratio (%) | ▼ | 32.06% | -0.64 | 32.70% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.55% | -0.10 | 0.65% |
| Allowance / Loans (%) | — | 1.32% | 0.04% | 1.28% |
| Net Charge-Off Ratio (%) | ▲ | 1.87% | -0.29 | 2.16% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 21.00% | -4.78 | 25.78% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▁▂▄▄▄▅ | Net Interest Margin (%) | 3.10% | 3.06% | 2.84% | 2.89% | 2.94% | 2.96% | 2.96% | 2.98% |
| █▂▁▁▄▁▅▅ | Return on Assets (%) | 1.19% | 1.00% | 0.99% | 0.97% | 1.08% | 0.98% | 1.10% | 1.09% |
| ▁█▇▅▃█▁▃ | Efficiency Ratio (%) | 52.3% | 57.9% | 56.6% | 55.2% | 53.8% | 57.4% | 51.6% | 53.5% |
| ▇█▆▄▄▂▁▁ | Cost of Funds (%) | 1.57% | 1.64% | 1.53% | 1.47% | 1.44% | 1.37% | 1.32% | 1.35% |
| ▁▁▄█▇█▃▅ | NPA / Assets (%) | 0.39% | 0.40% | 0.52% | 0.65% | 0.61% | 0.63% | 0.47% | 0.55% |
| ▁▁▅███▄▆ | Net Charge-Off Ratio (%) | 1.20% | 1.26% | 1.69% | 2.16% | 2.07% | 2.06% | 1.58% | 1.87% |
| ▇▁▄▄████ | Tang. Book Value ($M) | $12 | $10 | $11 | $11 | $12 | $12 | $12 | $12 |
| ▇▄▂▂▁█▅▁ | Gross Loans ($M) | $39 | $39 | $38 | $38 | $38 | $40 | $39 | $38 |
| ▁▄▅▇▆██▇ | Total Deposits ($M) | $108 | $112 | $113 | $115 | $114 | $118 | $117 | $116 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 41% |
| C&I / Commercial | 18% |
| Agricultural | 25% |
| Consumer | 14% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 14% |