Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.97% | +0.21 | 0.76% |
| Return on Equity (%) | ▲ | 12.78% | +0.77 | 12.01% |
| Net Interest Margin (%) | ▲ | 4.03% | +0.22 | 3.81% |
| Efficiency Ratio (%) | ▲ | 70.11% | -5.20 | 75.31% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.20 | $1 |
| Cost of Funds (%) | ▲ | 1.20% | -0.20 | 1.40% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $267 | +1.64 | $265 |
| Gross Loans ($M) | ▲ | $157 | +1.24 | $155 |
| Loan Growth YoY (%) | ▼ | 78.97% | -2.67 | 81.64% |
| Total Deposits ($M) | ▲ | $196 | +7.53 | $188 |
| Shareholders Equity ($M) | ▲ | $21 | +3.49 | $17 |
| Tang. Book Value ($M) | ▲ | $20 | +3.49 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +3.15 | $21 |
| Loan / Deposit Ratio (%) | ▼ | 78.97% | -2.67 | 81.64% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.54% | -0.45 | 0.99% |
| Allowance / Loans (%) | — | 1.35% | 0.20% | 1.15% |
| Net Charge-Off Ratio (%) | ▲ | 0.92% | -0.35 | 1.27% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -12.99 | 12.99% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▇▆▆▆██ | Net Interest Margin (%) | 3.25% | 3.33% | 3.93% | 3.81% | 3.76% | 3.83% | 4.02% | 4.03% |
| ▄▁▇▇▆▅██ | Return on Assets (%) | 0.50% | 0.06% | 0.80% | 0.76% | 0.66% | 0.62% | 0.98% | 0.97% |
| ▇█▄▄▆▆▁▁ | Efficiency Ratio (%) | 80.6% | 82.6% | 75.0% | 75.3% | 78.3% | 78.1% | 69.7% | 70.1% |
| █▆▅▆▆▃▁▁ | Cost of Funds (%) | 1.54% | 1.40% | 1.36% | 1.40% | 1.42% | 1.28% | 1.17% | 1.20% |
| █▃▄▅▄▁▁▂ | NPA / Assets (%) | 1.52% | 0.78% | 0.80% | 0.99% | 0.91% | 0.34% | 0.42% | 0.54% |
| █▄▄▃▃▁▁▂ | Net Charge-Off Ratio (%) | 2.63% | 1.38% | 1.43% | 1.27% | 1.12% | 0.57% | 0.72% | 0.92% |
| ▄▁▃▃▅▇▇█ | Tang. Book Value ($M) | $16 | $14 | $15 | $16 | $17 | $18 | $19 | $20 |
| ▄▂▁▆▇█▇▇ | Gross Loans ($M) | $151 | $148 | $145 | $155 | $158 | $160 | $156 | $157 |
| ▆█▇▁▁▆▆▇ | Total Deposits ($M) | $195 | $198 | $196 | $188 | $187 | $195 | $195 | $196 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 8% |
| Agricultural | 15% |
| Consumer | 2% |
| Other | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 8% |