Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.53% | +0.28 | 1.24% |
| Return on Equity (%) | ▲ | 16.14% | +1.93 | 14.21% |
| Net Interest Margin (%) | ▲ | 3.99% | +0.42 | 3.57% |
| Efficiency Ratio (%) | ▲ | 55.36% | -5.03 | 60.40% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.58 | $1 |
| Cost of Funds (%) | ▲ | 2.24% | -0.37 | 2.61% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $363 | +35.39 | $328 |
| Gross Loans ($M) | ▲ | $285 | +29.69 | $255 |
| Loan Growth YoY (%) | ▼ | 93.24% | -1.07 | 94.31% |
| Total Deposits ($M) | ▲ | $302 | +34.60 | $268 |
| Shareholders Equity ($M) | ▲ | $35 | +4.63 | $30 |
| Tang. Book Value ($M) | ▲ | $33 | +4.64 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $34 | +4.55 | $30 |
| Loan / Deposit Ratio (%) | ▼ | 93.24% | -1.07 | 94.31% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.11% | -0.06 | 0.17% |
| Allowance / Loans (%) | — | 1.06% | -0.00% | 1.06% |
| Net Charge-Off Ratio (%) | ▲ | 0.14% | -0.08 | 0.21% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.02% | +0.26 | 11.76% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▄▅▆▆█ | Net Interest Margin (%) | 3.21% | 3.34% | 3.42% | 3.57% | 3.60% | 3.72% | 3.79% | 3.99% |
| ▁▁▅▆▆▇▆█ | Return on Assets (%) | 0.65% | 0.62% | 1.11% | 1.24% | 1.29% | 1.36% | 1.25% | 1.53% |
| ██▃▂▂▂▂▁ | Efficiency Ratio (%) | 76.3% | 78.4% | 62.8% | 60.4% | 59.4% | 58.5% | 60.9% | 55.4% |
| ██▄▆▅▂▁▁ | Cost of Funds (%) | 2.79% | 2.74% | 2.49% | 2.61% | 2.52% | 2.35% | 2.21% | 2.24% |
| █▂▃▅▇▂▁▃ | NPA / Assets (%) | 0.31% | 0.08% | 0.10% | 0.17% | 0.27% | 0.08% | 0.02% | 0.11% |
| █▂▃▄▇▂▁▃ | Net Charge-Off Ratio (%) | 0.40% | 0.11% | 0.13% | 0.21% | 0.34% | 0.10% | 0.03% | 0.14% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $25 | $25 | $27 | $28 | $29 | $31 | $31 | $33 |
| ▁▁▂▁▃▅▇█ | Gross Loans ($M) | $253 | $256 | $259 | $255 | $264 | $272 | $280 | $285 |
| ▁▁▂▁▄▆██ | Total Deposits ($M) | $264 | $264 | $271 | $268 | $279 | $293 | $303 | $302 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 69% |
| C&I / Commercial | 17% |
| Agricultural | 12% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 17% |