Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.41% | +0.07 | 1.34% |
| Return on Equity (%) | ▼ | 9.94% | -0.37 | 10.31% |
| Net Interest Margin (%) | ▲ | 4.61% | +0.34 | 4.27% |
| Efficiency Ratio (%) | ▼ | 60.17% | +0.68 | 59.49% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.17 | $2 |
| Cost of Funds (%) | ▲ | 1.22% | -0.16 | 1.38% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $454 | +11.35 | $443 |
| Gross Loans ($M) | ▲ | $359 | +14.85 | $344 |
| Loan Growth YoY (%) | ▲ | 93.78% | +2.37 | 91.42% |
| Total Deposits ($M) | ▲ | $378 | +6.31 | $372 |
| Shareholders Equity ($M) | ▲ | $66 | +6.24 | $59 |
| Tang. Book Value ($M) | ▲ | $65 | +6.24 | $59 |
| TBV excl. AOCI ($M)** | ▲ | $67 | +6.46 | $61 |
| Loan / Deposit Ratio (%) | ▲ | 93.78% | +2.37 | 91.42% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.37% | -0.04 | 0.41% |
| Allowance / Loans (%) | — | 1.23% | -0.01% | 1.24% |
| Net Charge-Off Ratio (%) | ▲ | 0.43% | -0.06 | 0.49% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 23.30% | +1.18 | 22.12% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▁▃▄▆▇█ | Net Interest Margin (%) | 4.22% | 4.25% | 4.13% | 4.27% | 4.32% | 4.43% | 4.54% | 4.61% |
| ▅█▁▃▅█▃▇ | Return on Assets (%) | 1.37% | 1.44% | 1.28% | 1.34% | 1.38% | 1.45% | 1.32% | 1.41% |
| ▃▁▅▄▃▁█▅ | Efficiency Ratio (%) | 58.7% | 57.5% | 60.1% | 59.5% | 59.0% | 57.9% | 62.0% | 60.2% |
| ██▇██▆▁▁ | Cost of Funds (%) | 1.38% | 1.39% | 1.35% | 1.38% | 1.39% | 1.34% | 1.22% | 1.22% |
| ▂▁▇██▆▆▆ | NPA / Assets (%) | 0.29% | 0.25% | 0.39% | 0.41% | 0.42% | 0.37% | 0.36% | 0.37% |
| ▂▁█▇█▅▅▅ | Net Charge-Off Ratio (%) | 0.36% | 0.33% | 0.52% | 0.49% | 0.50% | 0.42% | 0.42% | 0.43% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $56 | $56 | $57 | $59 | $61 | $62 | $63 | $65 |
| ▁▂▂▃▆▆▇█ | Gross Loans ($M) | $337 | $340 | $341 | $344 | $351 | $352 | $356 | $359 |
| ▁▇█▅▆▅█▇ | Total Deposits ($M) | $356 | $378 | $381 | $372 | $374 | $370 | $381 | $378 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 5% |
| Agricultural | 2% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 12% |