Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.30% | +0.26 | 2.05% |
| Return on Equity (%) | ▲ | 24.19% | +2.12 | 22.07% |
| Net Interest Margin (%) | ▲ | 5.60% | +0.22 | 5.38% |
| Efficiency Ratio (%) | ▼ | 65.09% | +0.71 | 64.38% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.06 | $1 |
| Cost of Funds (%) | ▲ | 0.86% | -0.07 | 0.93% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $191 | +4.25 | $187 |
| Gross Loans ($M) | ▲ | $156 | +1.66 | $154 |
| Loan Growth YoY (%) | ▼ | 90.42% | -0.61 | 91.03% |
| Total Deposits ($M) | ▲ | $171 | +2.75 | $168 |
| Shareholders Equity ($M) | ▲ | $18 | +1.29 | $17 |
| Tang. Book Value ($M) | ▲ | $18 | +1.29 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 90.42% | -0.61 | 91.03% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.19% | -0.30 | 1.49% |
| Allowance / Loans (%) | — | 1.09% | 0.11% | 0.97% |
| Net Charge-Off Ratio (%) | ▲ | 0.03% | -1.78 | 1.81% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.45% | +0.77 | 12.68% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▅▆▇▆█ | Net Interest Margin (%) | 5.07% | 5.17% | 5.27% | 5.38% | 5.44% | 5.48% | 5.47% | 5.60% |
| ▃▂▂▃▁▁▅█ | Return on Assets (%) | 2.06% | 2.04% | 2.03% | 2.05% | 1.98% | 1.95% | 2.13% | 2.30% |
| ▆▆█▄▃▁▄▇ | Efficiency Ratio (%) | 64.9% | 64.9% | 65.5% | 64.4% | 64.2% | 63.6% | 64.5% | 65.1% |
| ▆▃▇▄▇█▂▁ | Cost of Funds (%) | 0.97% | 0.91% | 0.98% | 0.93% | 0.98% | 1.01% | 0.90% | 0.86% |
| ▁▂██▇██▆ | NPA / Assets (%) | 0.06% | 0.45% | 1.62% | 1.49% | 1.45% | 1.66% | 1.54% | 1.19% |
| ▁▂█████▁ | Net Charge-Off Ratio (%) | 0.07% | 0.51% | 1.87% | 1.81% | 1.76% | 1.99% | 1.83% | 0.03% |
| ▁▁▃▄▅▆▇█ | Tang. Book Value ($M) | $16 | $16 | $17 | $17 | $17 | $18 | $18 | $18 |
| ▁▄▅▅▇██▆ | Gross Loans ($M) | $148 | $153 | $154 | $154 | $156 | $158 | $159 | $156 |
| ▁▁▄▇████ | Total Deposits ($M) | $150 | $151 | $159 | $168 | $171 | $170 | $168 | $171 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 87% |
| C&I / Commercial | 4% |
| Agricultural | 4% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 2% |