Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.57% | +0.33 | 1.24% |
| Return on Equity (%) | ▲ | 15.82% | +2.09 | 13.73% |
| Net Interest Margin (%) | ▲ | 4.18% | +0.29 | 3.89% |
| Efficiency Ratio (%) | ▲ | 57.01% | -4.43 | 61.44% |
| Pre-Provision Profit ($M) | ▲ | $4 | +0.75 | $3 |
| Cost of Funds (%) | ▲ | 2.09% | -0.13 | 2.23% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $884 | +28.18 | $856 |
| Gross Loans ($M) | ▲ | $649 | +23.29 | $626 |
| Loan Growth YoY (%) | ▼ | 84.21% | -0.13 | 84.33% |
| Total Deposits ($M) | ▲ | $763 | +28.57 | $734 |
| Shareholders Equity ($M) | ▲ | $90 | +10.17 | $80 |
| Tang. Book Value ($M) | ▲ | $80 | +10.17 | $70 |
| TBV excl. AOCI ($M)** | ▲ | $86 | +9.27 | $77 |
| Loan / Deposit Ratio (%) | ▼ | 84.21% | -0.13 | 84.33% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.67% | +0.08 | 0.59% |
| Allowance / Loans (%) | — | 1.02% | -0.01% | 1.03% |
| Net Charge-Off Ratio (%) | ▲ | 0.58% | -0.23 | 0.81% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.65% | +0.73 | 12.92% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▆▇█ | Net Interest Margin (%) | 3.55% | 3.61% | 3.79% | 3.89% | 4.01% | 4.02% | 4.05% | 4.18% |
| ▁▂▄▃▅▅██ | Return on Assets (%) | 1.09% | 1.16% | 1.35% | 1.24% | 1.39% | 1.37% | 1.63% | 1.57% |
| ███▆▂▃▁▁ | Efficiency Ratio (%) | 63.0% | 62.6% | 62.4% | 61.4% | 58.4% | 59.1% | 57.2% | 57.0% |
| █▇▅▃▆▂▁▁ | Cost of Funds (%) | 2.47% | 2.40% | 2.30% | 2.23% | 2.37% | 2.17% | 2.09% | 2.09% |
| ▇█▁▄▄▂▇▇ | NPA / Assets (%) | 0.66% | 0.72% | 0.47% | 0.59% | 0.57% | 0.52% | 0.66% | 0.67% |
| ▇█▄▆▂▁▃▃ | Net Charge-Off Ratio (%) | 0.97% | 1.07% | 0.67% | 0.81% | 0.46% | 0.34% | 0.59% | 0.58% |
| ▂▁▃▃▆▇██ | Tang. Book Value ($M) | $66 | $64 | $68 | $70 | $74 | $76 | $79 | $80 |
| ▁▁▁▆▇▇▆█ | Gross Loans ($M) | $580 | $579 | $578 | $626 | $634 | $633 | $628 | $649 |
| ▆▇▃▂▁█▇▆ | Total Deposits ($M) | $760 | $767 | $742 | $734 | $725 | $778 | $766 | $763 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 18% |
| Agricultural | 13% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 10% |