Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.32% | -0.02 | 1.34% |
| Return on Equity (%) | ▼ | 9.96% | -0.79 | 10.75% |
| Net Interest Margin (%) | ▼ | 3.02% | -0.02 | 3.04% |
| Efficiency Ratio (%) | ▼ | 48.38% | +2.16 | 46.22% |
| Pre-Provision Profit ($M) | ▼ | $2 | -0.11 | $2 |
| Cost of Funds (%) | ▲ | 2.12% | -0.13 | 2.25% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $473 | -14.77 | $487 |
| Gross Loans ($M) | ▼ | $180 | -9.42 | $190 |
| Loan Growth YoY (%) | ▼ | 48.95% | -0.41 | 49.36% |
| Total Deposits ($M) | ▼ | $361 | -16.11 | $377 |
| Shareholders Equity ($M) | ▲ | $65 | +5.21 | $60 |
| Tang. Book Value ($M) | ▲ | $65 | +5.21 | $60 |
| TBV excl. AOCI ($M)** | ▲ | $79 | +5.97 | $73 |
| Loan / Deposit Ratio (%) | ▼ | 48.95% | -0.41 | 49.36% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.08% | -0.01 | 0.09% |
| Allowance / Loans (%) | — | 1.90% | 0.09% | 1.81% |
| Net Charge-Off Ratio (%) | ▲ | 0.22% | -0.01 | 0.24% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▂▄▅▅▁▃ | Net Interest Margin (%) | 3.17% | 3.18% | 2.98% | 3.04% | 3.07% | 3.08% | 2.94% | 3.02% |
| ██▁▃▅▅▁▂ | Return on Assets (%) | 1.53% | 1.56% | 1.27% | 1.34% | 1.44% | 1.44% | 1.26% | 1.32% |
| ▃▃▄▂▁▁█▇ | Efficiency Ratio (%) | 46.6% | 46.6% | 47.3% | 46.2% | 45.7% | 45.6% | 49.1% | 48.4% |
| █▇▅▄▄▅▁▂ | Cost of Funds (%) | 2.57% | 2.48% | 2.31% | 2.25% | 2.27% | 2.31% | 2.02% | 2.12% |
| ██▇▅▅▃▁▁ | NPA / Assets (%) | 0.10% | 0.10% | 0.09% | 0.09% | 0.09% | 0.09% | 0.08% | 0.08% |
| ▂▁▇█▆▁▅▄ | Net Charge-Off Ratio (%) | 0.22% | 0.21% | 0.23% | 0.24% | 0.23% | 0.21% | 0.23% | 0.22% |
| ▁▃▂▃▆▇▇█ | Tang. Book Value ($M) | $58 | $60 | $59 | $60 | $63 | $64 | $64 | $65 |
| ██▅▃▄▅▂▁ | Gross Loans ($M) | $207 | $209 | $195 | $190 | $193 | $198 | $185 | $180 |
| ▅▄▇█▇▁▆▆ | Total Deposits ($M) | $358 | $353 | $370 | $377 | $371 | $334 | $363 | $361 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 8% |
| Agricultural | 21% |
| Consumer | 2% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 17% |