Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.33% | -0.05 | 1.37% |
| Return on Equity (%) | ▼ | 6.58% | -0.33 | 6.91% |
| Net Interest Margin (%) | — | 3.67% | 0.00 | 3.67% |
| Efficiency Ratio (%) | ▲ | 50.78% | -2.40 | 53.18% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.04 | $1 |
| Cost of Funds (%) | ▲ | 1.17% | -0.05 | 1.21% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $173 | +11.73 | $161 |
| Gross Loans ($M) | ▼ | $85 | -0.15 | $85 |
| Loan Growth YoY (%) | ▼ | 61.01% | -4.67 | 65.68% |
| Total Deposits ($M) | ▲ | $137 | +9.44 | $127 |
| Shareholders Equity ($M) | ▲ | $35 | +2.22 | $33 |
| Tang. Book Value ($M) | ▲ | $34 | +2.39 | $31 |
| TBV excl. AOCI ($M)** | ▲ | $37 | +3.02 | $34 |
| Loan / Deposit Ratio (%) | ▼ | 61.01% | -4.67 | 65.68% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.20% | -0.08 | 0.28% |
| Allowance / Loans (%) | — | 1.89% | 0.03% | 1.85% |
| Net Charge-Off Ratio (%) | ▲ | 0.41% | -0.12 | 0.53% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 36.53% | +3.56 | 32.97% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▅██▅▅ | Net Interest Margin (%) | 3.49% | 3.50% | 3.56% | 3.67% | 3.77% | 3.80% | 3.65% | 3.67% |
| ▅▁▇▆▇▆█▅ | Return on Assets (%) | 1.29% | 1.02% | 1.45% | 1.37% | 1.44% | 1.37% | 1.52% | 1.33% |
| ▂▆█▃▃▆▃▁ | Efficiency Ratio (%) | 51.7% | 55.3% | 57.3% | 53.2% | 52.5% | 55.2% | 52.9% | 50.8% |
| █▇▂▄▃▁▁▁ | Cost of Funds (%) | 1.32% | 1.28% | 1.18% | 1.21% | 1.19% | 1.17% | 1.15% | 1.17% |
| ██▆▆▅▃▂▁ | NPA / Assets (%) | 0.32% | 0.32% | 0.29% | 0.28% | 0.26% | 0.23% | 0.22% | 0.20% |
| ██▇▆▃▂▃▁ | Net Charge-Off Ratio (%) | 0.58% | 0.60% | 0.57% | 0.53% | 0.48% | 0.44% | 0.46% | 0.41% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $30 | $30 | $31 | $31 | $32 | $33 | $33 | $34 |
| █▃▂▃█▇▁▃ | Gross Loans ($M) | $90 | $86 | $84 | $85 | $90 | $89 | $83 | $85 |
| ▁▃▅▁▁▅█▆ | Total Deposits ($M) | $125 | $129 | $134 | $127 | $127 | $133 | $141 | $137 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 55% |
| C&I / Commercial | 15% |
| Agricultural | 24% |
| Consumer | 4% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 4% |