Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.84% | +0.17 | 0.68% |
| Return on Equity (%) | ▲ | 11.14% | +1.23 | 9.91% |
| Net Interest Margin (%) | ▲ | 3.35% | +0.28 | 3.07% |
| Efficiency Ratio (%) | ▲ | 69.74% | -4.05 | 73.79% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.10 | $2 |
| Cost of Funds (%) | ▲ | 1.69% | -0.07 | 1.76% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $586 | +17.91 | $568 |
| Gross Loans ($M) | ▲ | $404 | +0.25 | $403 |
| Loan Growth YoY (%) | ▼ | 74.51% | -1.88 | 76.39% |
| Total Deposits ($M) | ▲ | $536 | +13.26 | $523 |
| Shareholders Equity ($M) | ▲ | $45 | +5.52 | $40 |
| Tang. Book Value ($M) | ▲ | $45 | +5.52 | $40 |
| TBV excl. AOCI ($M)** | ▲ | $51 | +5.59 | $45 |
| Loan / Deposit Ratio (%) | ▼ | 74.51% | -1.88 | 76.39% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.19% | +0.04 | 0.15% |
| Allowance / Loans (%) | — | 1.02% | 0.05% | 0.97% |
| Net Charge-Off Ratio (%) | ▼ | 0.27% | +0.06 | 0.21% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.37% | +0.85 | 12.52% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▆▆▇██ | Net Interest Margin (%) | 2.57% | 2.61% | 2.76% | 3.07% | 3.13% | 3.19% | 3.37% | 3.35% |
| ▁▁▂▆▆▇██ | Return on Assets (%) | 0.36% | 0.35% | 0.45% | 0.68% | 0.73% | 0.75% | 0.87% | 0.84% |
| ██▆▃▃▂▁▁ | Efficiency Ratio (%) | 84.7% | 85.0% | 80.0% | 73.8% | 72.4% | 71.7% | 68.2% | 69.7% |
| ██▇▂▃▂▁▁ | Cost of Funds (%) | 2.23% | 2.19% | 2.11% | 1.76% | 1.80% | 1.73% | 1.63% | 1.69% |
| ▁▅█▄▃█▆▇ | NPA / Assets (%) | 0.10% | 0.16% | 0.20% | 0.15% | 0.14% | 0.21% | 0.18% | 0.19% |
| ▁▄█▄▃█▇█ | Net Charge-Off Ratio (%) | 0.14% | 0.22% | 0.28% | 0.21% | 0.20% | 0.29% | 0.26% | 0.27% |
| ▃▁▁▂▅▇▇█ | Tang. Book Value ($M) | $40 | $38 | $39 | $40 | $42 | $44 | $44 | $45 |
| ▁▆▁▄▆█▃▄ | Gross Loans ($M) | $393 | $411 | $394 | $403 | $410 | $420 | $401 | $404 |
| ▄▅▁▃▆▆██ | Total Deposits ($M) | $525 | $526 | $515 | $523 | $530 | $530 | $534 | $536 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 9% |
| Agricultural | 13% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 22% |