Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.96% | -0.28 | 1.24% |
| Return on Equity (%) | ▼ | 8.67% | -3.26 | 11.93% |
| Net Interest Margin (%) | ▲ | 4.40% | +0.38 | 4.02% |
| Efficiency Ratio (%) | ▼ | 69.73% | +7.97 | 61.76% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.58 | $1 |
| Cost of Funds (%) | ▲ | 1.94% | -0.12 | 2.05% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $235 | +23.01 | $212 |
| Gross Loans ($M) | ▲ | $168 | +15.14 | $153 |
| Loan Growth YoY (%) | ▼ | 82.39% | -1.41 | 83.80% |
| Total Deposits ($M) | ▲ | $202 | +21.31 | $180 |
| Shareholders Equity ($M) | ▲ | $26 | +2.91 | $23 |
| Tang. Book Value ($M) | ▲ | $23 | +3.08 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +3.05 | $22 |
| Loan / Deposit Ratio (%) | ▼ | 82.39% | -1.41 | 83.80% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.62% | +0.15 | 0.47% |
| Allowance / Loans (%) | — | 1.19% | -0.04% | 1.23% |
| Net Charge-Off Ratio (%) | ▼ | 0.70% | +0.23 | 0.48% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.02% | +0.21 | 13.81% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▅▆██ | Net Interest Margin (%) | 3.88% | 3.91% | 3.91% | 4.02% | 4.15% | 4.26% | 4.35% | 4.40% |
| ▅▂▄▆▃▄█▁ | Return on Assets (%) | 1.20% | 1.06% | 1.14% | 1.24% | 1.08% | 1.14% | 1.38% | 0.96% |
| ▂▅▁▁▂▃▁█ | Efficiency Ratio (%) | 63.2% | 65.9% | 61.7% | 61.8% | 62.7% | 63.8% | 61.3% | 69.7% |
| █▄▃▅▃▃▁▂ | Cost of Funds (%) | 2.18% | 2.01% | 2.00% | 2.05% | 2.00% | 1.97% | 1.90% | 1.94% |
| ▆▅▅▁▁▄█▅ | NPA / Assets (%) | 0.65% | 0.61% | 0.61% | 0.47% | 0.44% | 0.57% | 0.76% | 0.62% |
| ▂▁▂▁▁▃█▆ | Net Charge-Off Ratio (%) | 0.51% | 0.48% | 0.53% | 0.48% | 0.44% | 0.59% | 0.85% | 0.70% |
| ▁▁▂▁▃▆▇█ | Tang. Book Value ($M) | $20 | $20 | $21 | $20 | $21 | $22 | $23 | $23 |
| ▁▁▁▃▆▇▇█ | Gross Loans ($M) | $145 | $147 | $146 | $153 | $161 | $164 | $164 | $168 |
| ▁▃▄▂▅▅▆█ | Total Deposits ($M) | $173 | $183 | $184 | $180 | $187 | $188 | $193 | $202 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 11% |
| Agricultural | 1% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 15% |