Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.75% | +0.16 | 1.59% |
| Return on Equity (%) | ▲ | 13.68% | +0.61 | 13.07% |
| Net Interest Margin (%) | ▲ | 5.43% | +0.37 | 5.06% |
| Efficiency Ratio (%) | ▲ | 53.62% | -2.89 | 56.50% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.52 | $3 |
| Cost of Funds (%) | ▲ | 1.77% | -0.20 | 1.97% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $462 | +24.66 | $437 |
| Gross Loans ($M) | ▲ | $334 | +9.00 | $325 |
| Loan Growth YoY (%) | ▼ | 82.84% | -3.69 | 86.53% |
| Total Deposits ($M) | ▲ | $396 | +26.54 | $370 |
| Shareholders Equity ($M) | ▲ | $58 | +4.26 | $54 |
| Tang. Book Value ($M) | ▲ | $58 | +4.26 | $54 |
| TBV excl. AOCI ($M)** | ▲ | $62 | +4.86 | $57 |
| Loan / Deposit Ratio (%) | ▼ | 82.84% | -3.69 | 86.53% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.48% | -0.15 | 0.63% |
| Allowance / Loans (%) | — | 1.78% | 0.16% | 1.63% |
| Net Charge-Off Ratio (%) | ▲ | 0.48% | -0.30 | 0.79% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▅▆██ | Net Interest Margin (%) | 4.87% | 4.92% | 4.96% | 5.06% | 5.17% | 5.23% | 5.39% | 5.43% |
| ▄▆▁▃▃▄█▇ | Return on Assets (%) | 1.66% | 1.72% | 1.50% | 1.59% | 1.59% | 1.62% | 1.83% | 1.75% |
| ▃▃█▆▆█▅▁ | Efficiency Ratio (%) | 54.9% | 54.7% | 57.7% | 56.5% | 56.2% | 57.5% | 55.8% | 53.6% |
| ██▆▇▆▆▁▂ | Cost of Funds (%) | 2.02% | 2.02% | 1.92% | 1.97% | 1.94% | 1.94% | 1.72% | 1.77% |
| ▁▆▄█▃▄█▃ | NPA / Assets (%) | 0.42% | 0.57% | 0.50% | 0.63% | 0.49% | 0.51% | 0.63% | 0.48% |
| ▂▆▄█▁▁▄▁ | Net Charge-Off Ratio (%) | 0.55% | 0.68% | 0.62% | 0.79% | 0.50% | 0.48% | 0.62% | 0.48% |
| ▁▁▂▄▅▇██ | Tang. Book Value ($M) | $51 | $51 | $53 | $54 | $55 | $56 | $57 | $58 |
| ▁▁▂▅▇▆▆█ | Gross Loans ($M) | $316 | $314 | $319 | $325 | $330 | $329 | $329 | $334 |
| ▁▁▄▄▃▃▇█ | Total Deposits ($M) | $348 | $349 | $367 | $370 | $366 | $363 | $386 | $396 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 14% |
| Agricultural | 9% |
| Consumer | 11% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 12% |