Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 3.22% | -0.49 | 3.71% |
| Return on Equity (%) | ▼ | 27.32% | -3.38 | 30.70% |
| Net Interest Margin (%) | ▼ | 4.85% | -0.57 | 5.41% |
| Efficiency Ratio (%) | ▼ | 33.63% | +1.78 | 31.85% |
| Pre-Provision Profit ($M) | ▼ | $45 | -1.01 | $46 |
| Cost of Funds (%) | ▲ | 1.91% | -0.12 | 2.02% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $5,329 | +322.26 | $5,007 |
| Gross Loans ($M) | ▲ | $4,745 | +348.93 | $4,396 |
| Loan Growth YoY (%) | ▲ | 103.22% | +2.67 | 100.55% |
| Total Deposits ($M) | ▲ | $4,562 | +226.00 | $4,336 |
| Shareholders Equity ($M) | ▲ | $663 | +65.57 | $598 |
| Tang. Book Value ($M) | ▲ | $578 | +66.63 | $512 |
| Loan / Deposit Ratio (%) | ▲ | 103.22% | +2.67 | 100.55% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.41% | +0.82 | 0.60% |
| Allowance / Loans (%) | — | 0.76% | -0.06% | 0.82% |
| Net Charge-Off Ratio (%) | ▼ | 1.56% | +0.90 | 0.67% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -9.90 | 9.90% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▅▅▅▄▁▁ | Net Interest Margin (%) | 5.97% | 5.91% | 5.46% | 5.41% | 5.37% | 5.29% | 4.72% | 4.85% |
| ██▇▇▆▆▁▂ | Return on Assets (%) | 3.85% | 3.82% | 3.67% | 3.71% | 3.66% | 3.60% | 3.12% | 3.22% |
| ▁▂▃▃▃▃█▇ | Efficiency Ratio (%) | 31.0% | 31.5% | 32.0% | 31.9% | 31.9% | 32.0% | 34.0% | 33.6% |
| █▄▂▂▅▃▁▁ | Cost of Funds (%) | 2.38% | 2.12% | 1.99% | 2.02% | 2.18% | 2.03% | 1.90% | 1.91% |
| ▁▁▂▂▁▁██ | NPA / Assets (%) | 0.41% | 0.41% | 0.59% | 0.60% | 0.53% | 0.50% | 1.35% | 1.41% |
| ▁▁▂▂▁▁██ | Net Charge-Off Ratio (%) | 0.47% | 0.46% | 0.66% | 0.67% | 0.59% | 0.56% | 1.52% | 1.56% |
| ▅▁▂▄▆▅▇█ | Tang. Book Value ($M) | $528 | $460 | $485 | $512 | $538 | $528 | $553 | $578 |
| ▁▁▃▅▆▇██ | Gross Loans ($M) | $3,829 | $3,905 | $4,158 | $4,396 | $4,584 | $4,724 | $4,857 | $4,745 |
| ▁▁▂▄▆██▆ | Total Deposits ($M) | $3,901 | $3,958 | $4,086 | $4,336 | $4,547 | $4,816 | $4,822 | $4,562 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 64% |
| C&I / Commercial | 28% |
| Agricultural | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 7% |