Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.19% | +0.09 | 1.10% |
| Return on Equity (%) | ▲ | 10.00% | +0.43 | 9.57% |
| Net Interest Margin (%) | ▲ | 4.34% | +0.07 | 4.27% |
| Efficiency Ratio (%) | ▼ | 64.53% | +0.96 | 63.57% |
| Pre-Provision Profit ($M) | ▼ | $3 | -0.17 | $3 |
| Cost of Funds (%) | ▲ | 1.39% | -0.04 | 1.43% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $622 | +27.89 | $594 |
| Gross Loans ($M) | ▼ | $428 | -22.98 | $451 |
| Loan Growth YoY (%) | ▼ | 77.47% | -7.95 | 85.42% |
| Total Deposits ($M) | ▲ | $546 | +24.50 | $521 |
| Shareholders Equity ($M) | ▲ | $75 | +4.50 | $70 |
| Tang. Book Value ($M) | ▲ | $65 | +4.63 | $60 |
| TBV excl. AOCI ($M)** | ▲ | $69 | +5.40 | $64 |
| Loan / Deposit Ratio (%) | ▼ | 77.47% | -7.95 | 85.42% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.24% | -0.36 | 0.60% |
| Allowance / Loans (%) | — | 1.37% | -0.05% | 1.42% |
| Net Charge-Off Ratio (%) | ▲ | 0.35% | -0.44 | 0.79% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -13.77 | 13.77% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▃▂▅▇█▄▇ | Net Interest Margin (%) | 4.16% | 4.22% | 4.19% | 4.27% | 4.33% | 4.37% | 4.25% | 4.34% |
| █▆▁▁▅█▅█ | Return on Assets (%) | 1.19% | 1.16% | 1.09% | 1.10% | 1.14% | 1.18% | 1.14% | 1.19% |
| ▁▂█▅▅▄▇▆ | Efficiency Ratio (%) | 61.2% | 61.8% | 66.0% | 63.6% | 63.6% | 63.1% | 65.4% | 64.5% |
| ▃▃▁▆▇█▁▃ | Cost of Funds (%) | 1.39% | 1.39% | 1.35% | 1.43% | 1.45% | 1.48% | 1.35% | 1.39% |
| ▃▁▄█▆▆▅▄ | NPA / Assets (%) | 0.20% | 0.00% | 0.27% | 0.60% | 0.43% | 0.40% | 0.33% | 0.24% |
| ▃▁▄█▆▆▅▄ | Net Charge-Off Ratio (%) | 0.26% | 0.00% | 0.38% | 0.79% | 0.57% | 0.54% | 0.49% | 0.35% |
| ▁▁▂▃▅▇▇█ | Tang. Book Value ($M) | $58 | $58 | $59 | $60 | $62 | $63 | $64 | $65 |
| ▇█▅▇▆▅▁▃ | Gross Loans ($M) | $451 | $460 | $441 | $451 | $445 | $442 | $415 | $428 |
| ▁▁▇▂▁▃█▆ | Total Deposits ($M) | $518 | $518 | $548 | $521 | $515 | $527 | $556 | $546 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 71% |
| C&I / Commercial | 20% |
| Agricultural | 8% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 2% |