Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.22% | -0.38 | 1.60% |
| Return on Equity (%) | ▼ | 12.17% | -3.47 | 15.64% |
| Net Interest Margin (%) | ▼ | 4.71% | -0.44 | 5.15% |
| Efficiency Ratio (%) | ▼ | 65.32% | +7.57 | 57.75% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.25 | $2 |
| Cost of Funds (%) | ▲ | 1.90% | -0.19 | 2.10% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $298 | +25.14 | $272 |
| Gross Loans ($M) | ▲ | $234 | +14.80 | $219 |
| Loan Growth YoY (%) | ▼ | 90.26% | -3.02 | 93.28% |
| Total Deposits ($M) | ▲ | $256 | +24.05 | $232 |
| Shareholders Equity ($M) | ▲ | $29 | +1.34 | $28 |
| Tang. Book Value ($M) | ▲ | $29 | +1.34 | $28 |
| Loan / Deposit Ratio (%) | ▼ | 90.26% | -3.02 | 93.28% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.89% | +1.54 | 0.34% |
| Allowance / Loans (%) | — | 1.27% | -0.04% | 1.31% |
| Net Charge-Off Ratio (%) | ▼ | 2.40% | +1.97 | 0.43% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.33% | -0.60 | 12.93% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▄▇█▇█▁▂ | Net Interest Margin (%) | 4.77% | 4.90% | 5.10% | 5.15% | 5.11% | 5.20% | 4.63% | 4.71% |
| ▂▄██▇▆▁▂ | Return on Assets (%) | 1.26% | 1.36% | 1.58% | 1.60% | 1.53% | 1.48% | 1.17% | 1.22% |
| ▅▄▂▁▂▃█▇ | Efficiency Ratio (%) | 62.8% | 62.1% | 59.7% | 57.8% | 59.6% | 60.2% | 67.2% | 65.3% |
| █▅▂▄█▆▃▁ | Cost of Funds (%) | 2.31% | 2.15% | 2.00% | 2.10% | 2.29% | 2.19% | 2.01% | 1.90% |
| ▁▁▃▁▂▄█▆ | NPA / Assets (%) | 0.11% | 0.39% | 1.01% | 0.34% | 0.57% | 1.23% | 2.71% | 1.89% |
| ▁▁▃▁▂▄█▆ | Net Charge-Off Ratio (%) | 0.13% | 0.47% | 1.27% | 0.43% | 0.71% | 1.50% | 3.42% | 2.40% |
| ▃▁▃▅█▅▇█ | Tang. Book Value ($M) | $27 | $26 | $27 | $28 | $29 | $28 | $29 | $29 |
| ▁▁▁▄▆▅▆█ | Gross Loans ($M) | $208 | $209 | $208 | $219 | $227 | $221 | $224 | $234 |
| ▁▁▂▄▅▃██ | Total Deposits ($M) | $217 | $217 | $222 | $232 | $239 | $231 | $252 | $256 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 69% |
| C&I / Commercial | 14% |
| Agricultural | 15% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 17% |