Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.22% | +0.06 | 2.16% |
| Return on Equity (%) | ▼ | 13.84% | -1.09 | 14.93% |
| Net Interest Margin (%) | ▲ | 4.68% | +0.22 | 4.46% |
| Efficiency Ratio (%) | ▼ | 50.04% | +0.95 | 49.09% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.31 | $1 |
| Cost of Funds (%) | ▲ | 1.70% | -0.27 | 1.97% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $160 | -4.80 | $165 |
| Gross Loans ($M) | ▲ | $101 | +0.58 | $101 |
| Loan Growth YoY (%) | ▲ | 75.64% | +3.77 | 71.86% |
| Total Deposits ($M) | ▼ | $132 | -6.31 | $138 |
| Shareholders Equity ($M) | ▲ | $26 | +1.58 | $25 |
| Tang. Book Value ($M) | ▲ | $26 | +1.58 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +1.55 | $26 |
| Loan / Deposit Ratio (%) | ▲ | 75.64% | +3.77 | 71.86% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.14% | -1.97 | 2.11% |
| Allowance / Loans (%) | — | 1.63% | 0.13% | 1.50% |
| Net Charge-Off Ratio (%) | ▲ | 0.22% | -3.01 | 3.23% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 25.77% | +1.33 | 24.44% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▄▃▃█▆ | Net Interest Margin (%) | 4.25% | 4.19% | 4.16% | 4.46% | 4.43% | 4.40% | 4.92% | 4.68% |
| ▂▁▃▆▅▂█▆ | Return on Assets (%) | 1.64% | 1.42% | 1.74% | 2.16% | 2.02% | 1.63% | 2.56% | 2.22% |
| ▆█▅▂▃▇▁▃ | Efficiency Ratio (%) | 57.0% | 61.3% | 54.7% | 49.1% | 51.1% | 59.2% | 45.9% | 50.0% |
| ██▆▃▄▄▁▁ | Cost of Funds (%) | 2.36% | 2.45% | 2.21% | 1.97% | 2.01% | 1.99% | 1.78% | 1.70% |
| ▇██▇▇▇▂▁ | NPA / Assets (%) | 2.21% | 2.34% | 2.51% | 2.11% | 2.12% | 2.01% | 0.69% | 0.14% |
| ▇██▇▇▇▂▁ | Net Charge-Off Ratio (%) | 3.33% | 3.80% | 3.75% | 3.23% | 3.12% | 3.21% | 1.01% | 0.22% |
| ▄▁▃▅█▆██ | Tang. Book Value ($M) | $24 | $22 | $23 | $25 | $26 | $25 | $26 | $26 |
| █▄▆▆▅▁▁▇ | Gross Loans ($M) | $105 | $96 | $100 | $101 | $99 | $91 | $91 | $101 |
| ▁▁▃█▄▁▂▂ | Total Deposits ($M) | $131 | $131 | $133 | $138 | $134 | $132 | $132 | $132 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 48% |
| C&I / Commercial | 21% |
| Agricultural | 26% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 17% |