Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.77% | +0.45 | 2.31% |
| Return on Equity (%) | ▲ | 26.48% | +4.20 | 22.28% |
| Net Interest Margin (%) | ▲ | 4.35% | +0.21 | 4.14% |
| Efficiency Ratio (%) | ▲ | 41.42% | -2.14 | 43.56% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.19 | $3 |
| Cost of Funds (%) | ▲ | 1.49% | -0.10 | 1.59% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $420 | +18.58 | $401 |
| Gross Loans ($M) | ▲ | $229 | +8.34 | $221 |
| Loan Growth YoY (%) | ▼ | 61.33% | -0.72 | 62.05% |
| Total Deposits ($M) | ▲ | $369 | +17.54 | $351 |
| Shareholders Equity ($M) | ▲ | $44 | +2.53 | $41 |
| Tang. Book Value ($M) | ▲ | $44 | +2.53 | $41 |
| TBV excl. AOCI ($M)** | ▲ | $51 | +3.43 | $48 |
| Loan / Deposit Ratio (%) | ▼ | 61.33% | -0.72 | 62.05% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.05% | -0.23 | 0.28% |
| Allowance / Loans (%) | — | 1.35% | -0.00% | 1.35% |
| Net Charge-Off Ratio (%) | ▲ | 0.09% | -0.16 | 0.25% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 17.57% | -0.74 | 18.31% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▇████ | Net Interest Margin (%) | 3.33% | 3.47% | 3.96% | 4.14% | 4.28% | 4.35% | 4.35% | 4.35% |
| ▁▁▃▄▄▅█▇ | Return on Assets (%) | 1.74% | 1.90% | 2.10% | 2.31% | 2.41% | 2.44% | 3.08% | 2.77% |
| █▇▆▄▃▂▁▁ | Efficiency Ratio (%) | 47.0% | 46.1% | 45.4% | 43.6% | 43.0% | 42.5% | 42.0% | 41.4% |
| █▇▂▃▁▁▁▁ | Cost of Funds (%) | 1.88% | 1.80% | 1.57% | 1.59% | 1.51% | 1.53% | 1.50% | 1.49% |
| ▁▅▅█▇▇▃▂ | NPA / Assets (%) | 0.01% | 0.15% | 0.17% | 0.28% | 0.25% | 0.25% | 0.08% | 0.05% |
| ▁▁▂█▆▆▅▃ | Net Charge-Off Ratio (%) | 0.01% | 0.01% | 0.05% | 0.25% | 0.17% | 0.18% | 0.13% | 0.09% |
| ▃▁▆▂▆▄▅█ | Tang. Book Value ($M) | $42 | $41 | $43 | $41 | $43 | $42 | $42 | $44 |
| ▁▁▁▂▅▇█▆ | Gross Loans ($M) | $218 | $218 | $219 | $221 | $227 | $231 | $234 | $229 |
| ▄▁▂▄▂▃▄█ | Total Deposits ($M) | $354 | $340 | $346 | $351 | $345 | $351 | $355 | $369 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 15% |
| Agricultural | 1% |
| Consumer | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 15% |