Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.74% | +0.13 | 1.61% |
| Return on Equity (%) | ▲ | 18.13% | +1.06 | 17.07% |
| Net Interest Margin (%) | ▼ | 3.88% | -0.19 | 4.07% |
| Efficiency Ratio (%) | ▲ | 52.79% | -5.07 | 57.86% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.10 | $1 |
| Cost of Funds (%) | ▲ | 2.02% | -0.22 | 2.25% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $154 | +12.46 | $142 |
| Gross Loans ($M) | ▼ | $106 | -4.86 | $111 |
| Loan Growth YoY (%) | ▼ | 75.11% | -10.25 | 85.36% |
| Total Deposits ($M) | ▲ | $139 | +11.32 | $128 |
| Shareholders Equity ($M) | ▲ | $15 | +1.13 | $14 |
| Tang. Book Value ($M) | ▲ | $15 | +1.13 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +1.31 | $14 |
| Loan / Deposit Ratio (%) | ▼ | 75.11% | -10.25 | 85.36% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.40% | +0.68 | 0.71% |
| Allowance / Loans (%) | — | 1.69% | -0.17% | 1.86% |
| Net Charge-Off Ratio (%) | ▼ | 2.03% | +1.12 | 0.91% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.54% | +1.52 | 14.02% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁████▅▅ | Net Interest Margin (%) | 3.53% | 3.57% | 4.11% | 4.07% | 4.09% | 4.09% | 3.85% | 3.88% |
| ▅▁█▇█▂██ | Return on Assets (%) | 1.26% | 0.63% | 1.72% | 1.61% | 1.68% | 0.84% | 1.83% | 1.74% |
| ▃█▂▃▂▇▁▁ | Efficiency Ratio (%) | 61.0% | 78.8% | 56.3% | 57.9% | 56.3% | 74.7% | 50.3% | 52.8% |
| ██▅▅▅▃▁▂ | Cost of Funds (%) | 2.52% | 2.44% | 2.23% | 2.25% | 2.26% | 2.11% | 1.89% | 2.02% |
| ▅▃▁▁▁▁▁█ | NPA / Assets (%) | 1.11% | 0.94% | 0.73% | 0.71% | 0.72% | 0.72% | 0.68% | 1.40% |
| ▄▃▁▁▁▁▁█ | Net Charge-Off Ratio (%) | 1.43% | 1.22% | 0.94% | 0.91% | 0.91% | 0.97% | 1.01% | 2.03% |
| ▃▁▃▄▇▆▇█ | Tang. Book Value ($M) | $13 | $13 | $13 | $14 | $14 | $14 | $14 | $15 |
| ▂▁▇██▁▁▂ | Gross Loans ($M) | $106 | $105 | $110 | $111 | $112 | $105 | $105 | $106 |
| ▁▁▃▃▂▃██ | Total Deposits ($M) | $122 | $124 | $128 | $128 | $126 | $127 | $141 | $139 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 46% |
| C&I / Commercial | 29% |
| Agricultural | 19% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 9% |