Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.66% | +0.27 | 1.39% |
| Return on Equity (%) | ▲ | 16.20% | +0.61 | 15.59% |
| Net Interest Margin (%) | ▲ | 4.41% | +0.64 | 3.77% |
| Efficiency Ratio (%) | ▲ | 59.61% | -3.07 | 62.69% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.18 | $1 |
| Cost of Funds (%) | ▲ | 1.45% | -0.45 | 1.89% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $298 | -6.51 | $305 |
| Gross Loans ($M) | ▲ | $241 | +7.57 | $233 |
| Loan Growth YoY (%) | ▼ | 93.84% | -1.55 | 95.39% |
| Total Deposits ($M) | ▲ | $254 | +12.03 | $242 |
| Shareholders Equity ($M) | ▲ | $30 | +2.29 | $28 |
| Tang. Book Value ($M) | ▲ | $26 | +2.29 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +1.83 | $27 |
| Loan / Deposit Ratio (%) | ▼ | 93.84% | -1.55 | 95.39% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.39% | +0.17 | 0.22% |
| Allowance / Loans (%) | — | 1.06% | -0.02% | 1.08% |
| Net Charge-Off Ratio (%) | ▼ | 0.49% | +0.34 | 0.15% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 11.55% | +0.44 | 11.11% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▆██ | Net Interest Margin (%) | 3.15% | 3.24% | 3.65% | 3.77% | 3.89% | 4.01% | 4.35% | 4.41% |
| ▁▂▃▆▇▇▇█ | Return on Assets (%) | 0.93% | 1.03% | 1.14% | 1.39% | 1.50% | 1.53% | 1.54% | 1.66% |
| █▇▇▃▂▂▃▁ | Efficiency Ratio (%) | 70.0% | 67.6% | 67.7% | 62.7% | 61.1% | 62.1% | 62.8% | 59.6% |
| █▇▅▅▅▃▂▁ | Cost of Funds (%) | 2.25% | 2.08% | 1.94% | 1.89% | 1.89% | 1.73% | 1.56% | 1.45% |
| ▇▆▃▄▃▁▇█ | NPA / Assets (%) | 0.35% | 0.27% | 0.15% | 0.22% | 0.18% | 0.07% | 0.33% | 0.39% |
| █▆▁▂▁▁▇█ | Net Charge-Off Ratio (%) | 0.48% | 0.38% | 0.07% | 0.15% | 0.09% | 0.09% | 0.42% | 0.49% |
| ▁▁▂▄▆▇▇█ | Tang. Book Value ($M) | $22 | $22 | $23 | $24 | $25 | $26 | $26 | $26 |
| ▁▁▅▆▄▃▃█ | Gross Loans ($M) | $219 | $219 | $230 | $233 | $228 | $226 | $226 | $241 |
| ▇▆▂▁▁▂▆█ | Total Deposits ($M) | $252 | $250 | $244 | $242 | $243 | $244 | $251 | $254 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 14% |
| Agricultural | 3% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 8% |