Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.46% | -0.31 | 2.77% |
| Return on Equity (%) | ▼ | 24.31% | -3.29 | 27.60% |
| Net Interest Margin (%) | ▼ | 4.94% | -0.00 | 4.94% |
| Efficiency Ratio (%) | ▲ | 38.77% | -1.07 | 39.84% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.13 | $1 |
| Cost of Funds (%) | ▼ | 2.02% | +0.04 | 1.97% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $180 | +21.46 | $159 |
| Gross Loans ($M) | ▲ | $148 | +22.11 | $126 |
| Loan Growth YoY (%) | ▲ | 106.46% | +7.42 | 99.04% |
| Total Deposits ($M) | ▲ | $137 | +11.79 | $125 |
| Shareholders Equity ($M) | ▲ | $19 | +1.66 | $17 |
| Tang. Book Value ($M) | ▲ | $19 | +1.66 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +1.54 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 106.46% | +7.42 | 99.04% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.63% | -0.03 | 0.66% |
| Allowance / Loans (%) | — | 1.33% | -0.04% | 1.37% |
| Net Charge-Off Ratio (%) | ▲ | 0.76% | -0.06 | 0.83% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 11.73% | -1.51 | 13.24% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▃▄▇██▆▇ | Net Interest Margin (%) | 4.58% | 4.72% | 4.76% | 4.94% | 4.99% | 4.95% | 4.88% | 4.94% |
| ▁▃▆▇█▅▅▂ | Return on Assets (%) | 2.33% | 2.51% | 2.69% | 2.77% | 2.85% | 2.66% | 2.60% | 2.46% |
| █▅▇▃▂▃▄▁ | Efficiency Ratio (%) | 42.2% | 40.5% | 41.5% | 39.8% | 39.3% | 39.6% | 40.1% | 38.8% |
| █▁▃▁▄▁▇▂ | Cost of Funds (%) | 2.27% | 1.97% | 2.07% | 1.97% | 2.09% | 1.97% | 2.23% | 2.02% |
| ▁▃▄▄▃▁█▄ | NPA / Assets (%) | 0.49% | 0.58% | 0.65% | 0.66% | 0.58% | 0.45% | 0.90% | 0.63% |
| ▂▃▅▄▃▁█▃ | Net Charge-Off Ratio (%) | 0.66% | 0.76% | 0.87% | 0.83% | 0.75% | 0.57% | 1.13% | 0.76% |
| ▂▁▃▄▇▆▇█ | Tang. Book Value ($M) | $16 | $15 | $16 | $17 | $18 | $17 | $18 | $19 |
| ▁▂▃▃▃▇▆█ | Gross Loans ($M) | $117 | $123 | $125 | $126 | $127 | $144 | $139 | $148 |
| ▂▅▂▁▁█▅▄ | Total Deposits ($M) | $130 | $139 | $130 | $125 | $124 | $153 | $141 | $137 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 22% |
| C&I / Commercial | 14% |
| Agricultural | 60% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 20% |