Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.03% | +0.10 | 0.93% |
| Return on Equity (%) | ▲ | 8.16% | +0.50 | 7.66% |
| Net Interest Margin (%) | ▲ | 3.91% | +0.20 | 3.70% |
| Efficiency Ratio (%) | ▲ | 68.51% | -1.17 | 69.68% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.38 | $2 |
| Cost of Funds (%) | ▲ | 1.72% | -0.16 | 1.88% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $604 | +18.21 | $585 |
| Gross Loans ($M) | ▼ | $474 | -1.27 | $475 |
| Loan Growth YoY (%) | ▼ | 89.84% | -2.28 | 92.13% |
| Total Deposits ($M) | ▲ | $520 | +11.23 | $509 |
| Shareholders Equity ($M) | ▲ | $78 | +6.51 | $72 |
| Tang. Book Value ($M) | ▲ | $78 | +6.51 | $72 |
| TBV excl. AOCI ($M)** | ▲ | $81 | +8.20 | $73 |
| Loan / Deposit Ratio (%) | ▼ | 89.84% | -2.28 | 92.13% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.59% | -0.44 | 1.03% |
| Allowance / Loans (%) | — | 1.29% | 0.06% | 1.23% |
| Net Charge-Off Ratio (%) | ▲ | 0.75% | -0.52 | 1.27% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -17.38 | 17.38% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▇▅█ | Net Interest Margin (%) | 3.49% | 3.53% | 3.59% | 3.70% | 3.79% | 3.82% | 3.74% | 3.91% |
| ▁▁▁▅▇▇▂█ | Return on Assets (%) | 0.84% | 0.84% | 0.82% | 0.93% | 0.99% | 0.99% | 0.86% | 1.03% |
| ▇▇█▃▁▁█▁ | Efficiency Ratio (%) | 71.6% | 71.9% | 72.1% | 69.7% | 68.2% | 68.2% | 72.6% | 68.5% |
| ██▄▄▄▃▂▁ | Cost of Funds (%) | 2.03% | 2.06% | 1.89% | 1.88% | 1.85% | 1.82% | 1.79% | 1.72% |
| ▁▂▂█▁▂█▃ | NPA / Assets (%) | 0.27% | 0.42% | 0.38% | 1.03% | 0.38% | 0.44% | 1.12% | 0.59% |
| ▁▂▂▇▁▂█▄ | Net Charge-Off Ratio (%) | 0.33% | 0.50% | 0.48% | 1.27% | 0.46% | 0.51% | 1.41% | 0.75% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $68 | $69 | $70 | $72 | $74 | $75 | $76 | $78 |
| ▁▄▅▆██▅▆ | Gross Loans ($M) | $459 | $469 | $471 | $475 | $480 | $480 | $471 | $474 |
| ▁▁▅▄▅▇█▆ | Total Deposits ($M) | $490 | $488 | $513 | $509 | $514 | $526 | $534 | $520 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 10% |
| Agricultural | 6% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 9% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 20% |