Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.21% | -0.07 | 2.28% |
| Return on Equity (%) | ▼ | 17.82% | -1.86 | 19.68% |
| Net Interest Margin (%) | ▼ | 5.97% | -0.18 | 6.15% |
| Efficiency Ratio (%) | ▼ | 63.57% | +2.25 | 61.32% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.05 | $1 |
| Cost of Funds (%) | ▲ | 0.67% | -0.17 | 0.84% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $134 | +1.70 | $133 |
| Gross Loans ($M) | ▲ | $97 | +6.36 | $90 |
| Loan Growth YoY (%) | ▲ | 81.08% | +5.03 | 76.04% |
| Total Deposits ($M) | ▲ | $117 | +0.46 | $116 |
| Shareholders Equity ($M) | ▲ | $17 | +1.10 | $16 |
| Tang. Book Value ($M) | ▲ | $17 | +1.10 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 81.08% | +5.03 | 76.04% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.07% | -0.05 | 0.12% |
| Allowance / Loans (%) | — | 1.86% | 0.01% | 1.86% |
| Net Charge-Off Ratio (%) | ▲ | 0.10% | -0.08 | 0.18% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 16.70% | -0.14 | 16.84% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▂▄▄▃▁▁ | Net Interest Margin (%) | 6.40% | 6.38% | 5.99% | 6.15% | 6.15% | 6.10% | 5.92% | 5.97% |
| ██▃▂▂▁▃▁ | Return on Assets (%) | 2.94% | 2.87% | 2.44% | 2.28% | 2.29% | 2.18% | 2.38% | 2.21% |
| ▁▂▅▇▇█▆█ | Efficiency Ratio (%) | 53.5% | 54.9% | 59.3% | 61.3% | 61.5% | 63.6% | 60.5% | 63.6% |
| ███▇▄▅▂▁ | Cost of Funds (%) | 0.88% | 0.87% | 0.86% | 0.84% | 0.77% | 0.80% | 0.70% | 0.67% |
| ▁▆██▇▇▄▂ | NPA / Assets (%) | 0.07% | 0.11% | 0.12% | 0.12% | 0.11% | 0.11% | 0.09% | 0.07% |
| ▁▆██▇▇▃▁ | Net Charge-Off Ratio (%) | 0.10% | 0.16% | 0.18% | 0.18% | 0.17% | 0.16% | 0.13% | 0.10% |
| ▁▂▃▄▅▆██ | Tang. Book Value ($M) | $15 | $15 | $16 | $16 | $16 | $16 | $17 | $17 |
| ▁▂▁▂▄▆██ | Gross Loans ($M) | $88 | $90 | $88 | $90 | $92 | $94 | $96 | $97 |
| ▁▅█▄█▅▄▅ | Total Deposits ($M) | $113 | $117 | $120 | $116 | $121 | $117 | $117 | $117 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 44% |
| C&I / Commercial | 15% |
| Agricultural | 30% |
| Consumer | 11% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 48% |
| Interest-Bearing (core) | 48% |
| Brokered / Other | 4% |