Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.89% | +0.16 | 1.72% |
| Return on Equity (%) | ▼ | 21.43% | -0.59 | 22.02% |
| Net Interest Margin (%) | ▲ | 3.76% | +0.31 | 3.45% |
| Efficiency Ratio (%) | ▲ | 48.03% | -0.97 | 49.00% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.10 | $1 |
| Cost of Funds (%) | ▲ | 1.33% | -0.33 | 1.66% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $294 | +17.85 | $277 |
| Gross Loans ($M) | ▲ | $193 | +0.45 | $192 |
| Loan Growth YoY (%) | ▼ | 71.30% | -4.07 | 75.37% |
| Total Deposits ($M) | ▲ | $267 | +14.99 | $252 |
| Shareholders Equity ($M) | ▲ | $26 | +2.95 | $23 |
| Tang. Book Value ($M) | ▲ | $26 | +2.95 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +3.05 | $26 |
| Loan / Deposit Ratio (%) | ▼ | 71.30% | -4.07 | 75.37% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.02% | -1.37 | 1.39% |
| Allowance / Loans (%) | — | 1.17% | 0.01% | 1.16% |
| Net Charge-Off Ratio (%) | ▲ | 0.03% | -1.96 | 2.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.38% | +1.47 | 12.91% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▅▅██ | Net Interest Margin (%) | 3.28% | 3.31% | 3.32% | 3.45% | 3.53% | 3.57% | 3.70% | 3.76% |
| ▁▃▁▅▆▇██ | Return on Assets (%) | 1.57% | 1.64% | 1.55% | 1.72% | 1.79% | 1.82% | 1.89% | 1.89% |
| ▅▃█▃▁▁▁▁ | Efficiency Ratio (%) | 50.0% | 48.9% | 51.4% | 49.0% | 48.4% | 48.1% | 48.0% | 48.0% |
| ██▆█▆▄▁▁ | Cost of Funds (%) | 1.63% | 1.65% | 1.55% | 1.66% | 1.54% | 1.48% | 1.37% | 1.33% |
| ▂▂▂█▁▁▁▁ | NPA / Assets (%) | 0.30% | 0.30% | 0.29% | 1.39% | 0.17% | 0.12% | 0.13% | 0.02% |
| ▁▁▁█▁▁▁▁ | Net Charge-Off Ratio (%) | 0.24% | 0.25% | 0.24% | 2.00% | 0.24% | 0.18% | 0.19% | 0.03% |
| ▁▁▃▄▆▇██ | Tang. Book Value ($M) | $21 | $21 | $22 | $23 | $24 | $25 | $25 | $26 |
| ▄▄▅▁▁█▁▂ | Gross Loans ($M) | $195 | $195 | $196 | $192 | $192 | $199 | $191 | $193 |
| ▁▂▅▂▂▆▄█ | Total Deposits ($M) | $250 | $254 | $260 | $252 | $253 | $261 | $258 | $267 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 44% |
| C&I / Commercial | 5% |
| Agricultural | 47% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 13% |