Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.52% | +0.20 | 0.32% |
| Return on Equity (%) | ▲ | 5.41% | +2.04 | 3.37% |
| Net Interest Margin (%) | ▲ | 5.05% | +0.49 | 4.55% |
| Efficiency Ratio (%) | ▲ | 61.94% | -0.36 | 62.30% |
| Pre-Provision Profit ($M) | ▼ | $2 | -0.03 | $2 |
| Cost of Funds (%) | ▲ | 1.47% | -0.20 | 1.66% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $446 | +0.53 | $445 |
| Gross Loans ($M) | ▼ | $357 | -17.06 | $374 |
| Loan Growth YoY (%) | ▼ | 91.88% | -3.96 | 95.83% |
| Total Deposits ($M) | ▼ | $385 | -1.62 | $386 |
| Shareholders Equity ($M) | ▲ | $44 | +2.35 | $42 |
| Tang. Book Value ($M) | ▲ | $41 | +2.47 | $38 |
| TBV excl. AOCI ($M)** | ▲ | $42 | +2.11 | $40 |
| Loan / Deposit Ratio (%) | ▼ | 91.88% | -3.96 | 95.83% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.80% | -1.17 | 2.97% |
| Allowance / Loans (%) | — | 1.08% | -0.03% | 1.11% |
| Net Charge-Off Ratio (%) | ▲ | 2.07% | -1.35 | 3.42% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 10.73% | +1.06 | 9.67% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▄▁▂▃▄██ | Net Interest Margin (%) | 4.61% | 4.74% | 4.45% | 4.55% | 4.63% | 4.71% | 5.03% | 5.05% |
| ██▆▃▄▄▁▃ | Return on Assets (%) | 1.62% | 1.75% | 1.21% | 0.32% | 0.72% | 0.77% | -0.21% | 0.52% |
| ▃▁█▅▅▃▄▄ | Efficiency Ratio (%) | 60.4% | 58.7% | 65.2% | 62.3% | 62.4% | 61.1% | 61.5% | 61.9% |
| █▇▅█▇▃▁▁ | Cost of Funds (%) | 1.64% | 1.61% | 1.58% | 1.66% | 1.62% | 1.53% | 1.47% | 1.47% |
| ▁▃▃▆█▆▃▂ | NPA / Assets (%) | 1.18% | 1.86% | 1.95% | 2.97% | 3.69% | 2.83% | 2.11% | 1.80% |
| ▁▃▃▆█▆▄▃ | Net Charge-Off Ratio (%) | 1.38% | 2.23% | 2.35% | 3.42% | 4.10% | 3.22% | 2.43% | 2.07% |
| ▁▄█▃▆█▆█ | Tang. Book Value ($M) | $37 | $39 | $40 | $38 | $39 | $40 | $40 | $41 |
| ▄█▆██▇▁▁ | Gross Loans ($M) | $364 | $375 | $369 | $374 | $374 | $370 | $355 | $357 |
| ▁█▆▂▅█▆▁ | Total Deposits ($M) | $383 | $402 | $397 | $386 | $395 | $404 | $397 | $385 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 16% |
| Agricultural | 11% |
| Consumer | 2% |
| Other | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 15% |