Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.42% | +0.18 | 1.23% |
| Return on Equity (%) | ▲ | 11.05% | +0.97 | 10.08% |
| Net Interest Margin (%) | ▲ | 2.76% | +0.22 | 2.54% |
| Efficiency Ratio (%) | ▲ | 51.46% | -4.12 | 55.58% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.09 | $1 |
| Cost of Funds (%) | ▲ | 1.66% | -0.13 | 1.79% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $202 | +8.95 | $193 |
| Gross Loans ($M) | ▼ | $70 | -2.15 | $72 |
| Loan Growth YoY (%) | ▼ | 38.96% | -3.15 | 42.11% |
| Total Deposits ($M) | ▲ | $174 | +7.90 | $166 |
| Shareholders Equity ($M) | ▲ | $26 | +1.15 | $25 |
| Tang. Book Value ($M) | ▲ | $26 | +1.15 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +1.93 | $30 |
| Loan / Deposit Ratio (%) | ▼ | 38.96% | -3.15 | 42.11% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.21% | -0.14 | 0.35% |
| Allowance / Loans (%) | — | 2.59% | 0.07% | 2.52% |
| Net Charge-Off Ratio (%) | ▲ | 0.61% | -0.33 | 0.94% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 40.55% | +2.13 | 38.42% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▄▁▃▅▅██ | Net Interest Margin (%) | 2.64% | 2.56% | 2.41% | 2.54% | 2.60% | 2.58% | 2.71% | 2.76% |
| ▁▁▂▄▃▂██ | Return on Assets (%) | 1.13% | 1.11% | 1.16% | 1.23% | 1.20% | 1.15% | 1.41% | 1.42% |
| ██▆▅▇█▁▁ | Efficiency Ratio (%) | 59.3% | 59.4% | 56.6% | 55.6% | 57.7% | 58.6% | 51.4% | 51.5% |
| █▃▆▆▆▁▁▃ | Cost of Funds (%) | 1.93% | 1.66% | 1.80% | 1.79% | 1.82% | 1.51% | 1.55% | 1.66% |
| ▅▅▄█▇▂▁▄ | NPA / Assets (%) | 0.24% | 0.23% | 0.21% | 0.35% | 0.29% | 0.12% | 0.09% | 0.21% |
| ▅▆▅█▆▁▂▅ | Net Charge-Off Ratio (%) | 0.61% | 0.67% | 0.56% | 0.94% | 0.72% | 0.07% | 0.23% | 0.61% |
| ▄▁▄▅████ | Tang. Book Value ($M) | $25 | $23 | $25 | $25 | $26 | $26 | $26 | $26 |
| ▃▃█▃▅██▁ | Gross Loans ($M) | $72 | $72 | $75 | $72 | $73 | $76 | $75 | $70 |
| ▁█▆▃▁█▇▆ | Total Deposits ($M) | $158 | $179 | $172 | $166 | $158 | $180 | $176 | $174 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 10% |
| Agricultural | 20% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 59% |
| Brokered / Other | 17% |