Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.96% | -0.24 | 2.20% |
| Return on Equity (%) | ▼ | 15.78% | -2.17 | 17.95% |
| Net Interest Margin (%) | ▼ | 4.42% | -0.05 | 4.47% |
| Efficiency Ratio (%) | ▼ | 44.71% | +2.69 | 42.02% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.00 | $1 |
| Cost of Funds (%) | ▲ | 2.24% | -0.06 | 2.30% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $208 | +10.12 | $198 |
| Gross Loans ($M) | ▲ | $172 | +17.14 | $155 |
| Loan Growth YoY (%) | ▲ | 94.48% | +6.80 | 87.68% |
| Total Deposits ($M) | ▲ | $178 | +4.76 | $173 |
| Shareholders Equity ($M) | ▲ | $26 | +1.55 | $24 |
| Tang. Book Value ($M) | ▲ | $26 | +1.55 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +1.51 | $26 |
| Loan / Deposit Ratio (%) | ▲ | 94.48% | +6.80 | 87.68% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.75% | -0.10 | 0.85% |
| Allowance / Loans (%) | — | 2.61% | 0.28% | 2.33% |
| Net Charge-Off Ratio (%) | ▲ | 0.90% | -0.18 | 1.08% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 14.16% | -0.12 | 14.27% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▃▃▅▇█▁▃ | Net Interest Margin (%) | 4.36% | 4.41% | 4.41% | 4.47% | 4.50% | 4.54% | 4.37% | 4.42% |
| █▇▆█▇▆▁▃ | Return on Assets (%) | 2.24% | 2.17% | 2.11% | 2.20% | 2.19% | 2.13% | 1.86% | 1.96% |
| ▄▆▂▁▁▃█▆ | Efficiency Ratio (%) | 43.8% | 44.6% | 42.5% | 42.0% | 41.9% | 43.3% | 46.2% | 44.7% |
| █▆▄▄▄▅▁▃ | Cost of Funds (%) | 2.46% | 2.38% | 2.29% | 2.30% | 2.30% | 2.35% | 2.17% | 2.24% |
| ▄▁▃█▆▅▁▅ | NPA / Assets (%) | 0.72% | 0.59% | 0.68% | 0.85% | 0.78% | 0.73% | 0.62% | 0.75% |
| ▄▁▄█▇▄▂▄ | Net Charge-Off Ratio (%) | 0.89% | 0.73% | 0.89% | 1.08% | 1.01% | 0.90% | 0.79% | 0.90% |
| ▁▃▁▃▆█▄▇ | Tang. Book Value ($M) | $23 | $24 | $23 | $24 | $25 | $26 | $25 | $26 |
| ▁▄▂▄▄▆▇█ | Gross Loans ($M) | $143 | $155 | $149 | $155 | $157 | $162 | $165 | $172 |
| ▁▃▅▅▆▅█▆ | Total Deposits ($M) | $151 | $163 | $170 | $173 | $176 | $172 | $187 | $178 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 40% |
| C&I / Commercial | 17% |
| Agricultural | 38% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 26% |