Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 3.27% | -0.04 | 3.31% |
| Return on Equity (%) | ▼ | 27.17% | -1.02 | 28.19% |
| Net Interest Margin (%) | ▼ | 5.28% | -0.13 | 5.41% |
| Efficiency Ratio (%) | ▼ | 39.52% | +1.54 | 37.98% |
| Pre-Provision Profit ($M) | ▼ | $8 | -0.58 | $8 |
| Cost of Funds (%) | ▲ | 1.26% | -0.19 | 1.45% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $935 | +26.56 | $908 |
| Gross Loans ($M) | ▼ | $695 | -10.26 | $706 |
| Loan Growth YoY (%) | ▼ | 84.57% | -3.44 | 88.00% |
| Total Deposits ($M) | ▲ | $811 | +20.06 | $791 |
| Shareholders Equity ($M) | ▲ | $116 | +5.95 | $110 |
| Tang. Book Value ($M) | ▲ | $116 | +5.95 | $110 |
| TBV excl. AOCI ($M)** | ▲ | $118 | +5.64 | $113 |
| Loan / Deposit Ratio (%) | ▼ | 84.57% | -3.44 | 88.00% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.17% | -0.10 | 0.27% |
| Allowance / Loans (%) | — | 1.38% | 0.01% | 1.37% |
| Net Charge-Off Ratio (%) | ▲ | 0.21% | -0.13 | 0.33% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▂▆█▇▁▁ | Net Interest Margin (%) | 5.46% | 5.47% | 5.30% | 5.41% | 5.46% | 5.43% | 5.27% | 5.28% |
| ██▁▆▇█▄▅ | Return on Assets (%) | 3.49% | 3.49% | 2.98% | 3.31% | 3.41% | 3.45% | 3.23% | 3.27% |
| ▁▁█▂▁▂▇▆ | Efficiency Ratio (%) | 37.4% | 37.6% | 40.4% | 38.0% | 37.5% | 38.1% | 39.9% | 39.5% |
| █▆▄▆▄▂▁▁ | Cost of Funds (%) | 1.58% | 1.46% | 1.39% | 1.45% | 1.38% | 1.28% | 1.23% | 1.26% |
| ▂▁▂▂▁█▆▁ | NPA / Assets (%) | 0.24% | 0.21% | 0.27% | 0.27% | 0.14% | 0.74% | 0.51% | 0.17% |
| ▂▁▂▂▁█▆▁ | Net Charge-Off Ratio (%) | 0.31% | 0.27% | 0.35% | 0.33% | 0.18% | 1.00% | 0.70% | 0.21% |
| ▅▁▄▃▅▄██ | Tang. Book Value ($M) | $111 | $106 | $111 | $110 | $111 | $111 | $115 | $116 |
| ▂▃█▆▁▃▄▄ | Gross Loans ($M) | $685 | $691 | $718 | $706 | $678 | $691 | $693 | $695 |
| ▁▄█▁▄▇█▄ | Total Deposits ($M) | $792 | $809 | $832 | $791 | $808 | $824 | $833 | $811 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 11% |
| Agricultural | 9% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 1% |