Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.23% | -0.28 | 1.51% |
| Return on Equity (%) | ▼ | 8.29% | -1.75 | 10.04% |
| Net Interest Margin (%) | ▼ | 4.70% | -0.39 | 5.09% |
| Efficiency Ratio (%) | ▼ | 59.19% | +5.83 | 53.37% |
| Pre-Provision Profit ($M) | ▼ | $2 | -0.12 | $2 |
| Cost of Funds (%) | ▲ | 2.02% | -0.07 | 2.09% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $309 | +2.68 | $306 |
| Gross Loans ($M) | ▲ | $246 | +15.72 | $230 |
| Loan Growth YoY (%) | ▲ | 94.06% | +5.56 | 88.50% |
| Total Deposits ($M) | ▲ | $256 | +1.91 | $254 |
| Shareholders Equity ($M) | ▲ | $45 | +1.25 | $44 |
| Tang. Book Value ($M) | ▲ | $45 | +1.25 | $44 |
| TBV excl. AOCI ($M)** | ▲ | $47 | +1.47 | $45 |
| Loan / Deposit Ratio (%) | ▲ | 94.06% | +5.56 | 88.50% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.34% | +0.80 | 1.53% |
| Allowance / Loans (%) | — | 2.21% | -0.24% | 2.45% |
| Net Charge-Off Ratio (%) | ▼ | 2.15% | +1.48 | 0.67% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 21.05% | -0.76 | 21.82% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▇▇▇▇▁▃ | Net Interest Margin (%) | 5.17% | 5.20% | 5.06% | 5.09% | 5.06% | 5.03% | 4.41% | 4.70% |
| ████▇▇▁▄ | Return on Assets (%) | 1.56% | 1.56% | 1.48% | 1.51% | 1.47% | 1.46% | 0.92% | 1.23% |
| ▁▁▂▁▄▄█▅ | Efficiency Ratio (%) | 53.0% | 52.7% | 55.3% | 53.4% | 58.1% | 57.9% | 64.0% | 59.2% |
| ▆█▁▃▅▅▁▁ | Cost of Funds (%) | 2.20% | 2.28% | 2.03% | 2.09% | 2.15% | 2.14% | 2.01% | 2.02% |
| ▅▂▁▂▂▄██ | NPA / Assets (%) | 1.91% | 1.45% | 1.27% | 1.53% | 1.48% | 1.76% | 2.44% | 2.34% |
| ▆▁▁▂▃▅█▇ | Net Charge-Off Ratio (%) | 1.73% | 0.18% | 0.29% | 0.67% | 0.93% | 1.39% | 2.45% | 2.15% |
| ▁▃▅▂▅██▅ | Tang. Book Value ($M) | $43 | $44 | $45 | $44 | $45 | $47 | $47 | $45 |
| ▅▁▁▃▅▃▄█ | Gross Loans ($M) | $237 | $224 | $222 | $230 | $236 | $231 | $233 | $246 |
| ▁▁▃▆▇▇█▇ | Total Deposits ($M) | $233 | $231 | $241 | $254 | $258 | $257 | $262 | $256 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 69% |
| C&I / Commercial | 7% |
| Agricultural | 18% |
| Consumer | 3% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 19% |