Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.20% | +0.45 | 0.75% |
| Return on Equity (%) | ▲ | 12.62% | +3.29 | 9.33% |
| Net Interest Margin (%) | ▲ | 3.57% | +0.77 | 2.79% |
| Efficiency Ratio (%) | ▲ | 50.00% | -10.78 | 60.78% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.28 | $1 |
| Cost of Funds (%) | ▲ | 1.97% | -0.45 | 2.42% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $244 | -8.67 | $253 |
| Gross Loans ($M) | ▼ | $164 | -1.51 | $165 |
| Loan Growth YoY (%) | ▼ | 79.17% | -1.76 | 80.92% |
| Total Deposits ($M) | ▲ | $204 | +1.89 | $202 |
| Shareholders Equity ($M) | ▲ | $24 | +3.13 | $21 |
| Tang. Book Value ($M) | ▲ | $24 | +3.13 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +2.64 | $25 |
| Loan / Deposit Ratio (%) | ▼ | 79.17% | -1.76 | 80.92% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.08% | +0.22 | 0.86% |
| Allowance / Loans (%) | — | 1.60% | 0.34% | 1.26% |
| Net Charge-Off Ratio (%) | ▼ | 1.61% | +0.29 | 1.32% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.69% | +1.52 | 13.18% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▄▄██ | Net Interest Margin (%) | 2.48% | 2.53% | 2.56% | 2.79% | 2.89% | 2.97% | 3.52% | 3.57% |
| ▁▁▁▃▄▄██ | Return on Assets (%) | 0.52% | 0.57% | 0.57% | 0.75% | 0.85% | 0.83% | 1.28% | 1.20% |
| ██▇▅▄▄▁▁ | Efficiency Ratio (%) | 68.5% | 66.2% | 65.7% | 60.8% | 57.9% | 57.4% | 49.8% | 50.0% |
| ██▆▆▅▄▁▁ | Cost of Funds (%) | 2.68% | 2.61% | 2.42% | 2.42% | 2.40% | 2.27% | 2.00% | 1.97% |
| █▁▄▁▁▂▂▇ | NPA / Assets (%) | 1.14% | 0.87% | 0.98% | 0.86% | 0.83% | 0.88% | 0.87% | 1.08% |
| █▂▄▁▁▁▁▅ | Net Charge-Off Ratio (%) | 1.86% | 1.39% | 1.56% | 1.32% | 1.27% | 1.31% | 1.28% | 1.61% |
| ▂▁▂▄▆▇▇█ | Tang. Book Value ($M) | $20 | $19 | $20 | $21 | $22 | $23 | $23 | $24 |
| ▁▂▃▇▇▇█▆ | Gross Loans ($M) | $152 | $154 | $157 | $165 | $166 | $167 | $170 | $164 |
| █▂▃▂▅▃▁▄ | Total Deposits ($M) | $209 | $202 | $203 | $202 | $205 | $203 | $201 | $204 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 13% |
| Agricultural | 16% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 79% |
| Brokered / Other | 10% |