Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.77% | +0.18 | 1.59% |
| Return on Equity (%) | ▲ | 16.49% | +0.94 | 15.55% |
| Net Interest Margin (%) | ▲ | 4.12% | +0.41 | 3.71% |
| Efficiency Ratio (%) | ▲ | 55.30% | -2.08 | 57.39% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.34 | $2 |
| Cost of Funds (%) | ▲ | 1.35% | -0.15 | 1.50% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $391 | +11.19 | $380 |
| Gross Loans ($M) | ▲ | $280 | +15.28 | $265 |
| Loan Growth YoY (%) | ▼ | 84.37% | -3.98 | 88.35% |
| Total Deposits ($M) | ▲ | $325 | +31.55 | $293 |
| Shareholders Equity ($M) | ▲ | $44 | +4.38 | $40 |
| Tang. Book Value ($M) | ▲ | $39 | +2.03 | $37 |
| TBV excl. AOCI ($M)** | ▲ | $43 | +1.56 | $42 |
| Loan / Deposit Ratio (%) | ▼ | 84.37% | -3.98 | 88.35% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.42% | -0.13 | 0.55% |
| Allowance / Loans (%) | — | 2.37% | -0.01% | 2.38% |
| Net Charge-Off Ratio (%) | ▲ | 0.59% | -0.20 | 0.78% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.86% | -0.48 | 13.35% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆██ | Net Interest Margin (%) | 3.11% | 3.17% | 3.60% | 3.71% | 3.78% | 3.85% | 4.00% | 4.12% |
| ▁▁▅▆▆▆▇█ | Return on Assets (%) | 1.16% | 1.19% | 1.48% | 1.59% | 1.61% | 1.61% | 1.66% | 1.77% |
| ██▄▃▃▃▂▁ | Efficiency Ratio (%) | 63.5% | 63.0% | 59.1% | 57.4% | 57.8% | 57.8% | 56.7% | 55.3% |
| █▇▂▃▅▃▁▁ | Cost of Funds (%) | 1.97% | 1.87% | 1.45% | 1.50% | 1.67% | 1.50% | 1.32% | 1.35% |
| ██▇▇▅▁▁▁ | NPA / Assets (%) | 0.58% | 0.58% | 0.55% | 0.55% | 0.51% | 0.43% | 0.42% | 0.42% |
| ██▆▆▅▂▁▁ | Net Charge-Off Ratio (%) | 0.88% | 0.87% | 0.81% | 0.78% | 0.74% | 0.63% | 0.61% | 0.59% |
| ▂▁▃▅█▆▆█ | Tang. Book Value ($M) | $35 | $34 | $35 | $37 | $39 | $38 | $38 | $39 |
| ▂▁▃▅▆███ | Gross Loans ($M) | $250 | $243 | $256 | $265 | $268 | $283 | $280 | $280 |
| ▁▁▁▁▁█▇▆ | Total Deposits ($M) | $295 | $298 | $297 | $293 | $294 | $341 | $333 | $325 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 9% |
| Agricultural | 15% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 9% |