Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.70% | +0.28 | 1.42% |
| Return on Equity (%) | ▲ | 16.90% | +1.34 | 15.56% |
| Net Interest Margin (%) | ▲ | 3.92% | +0.37 | 3.54% |
| Efficiency Ratio (%) | ▲ | 58.46% | -2.31 | 60.78% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.11 | $2 |
| Cost of Funds (%) | ▲ | 2.09% | -0.26 | 2.36% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $545 | -0.26 | $545 |
| Gross Loans ($M) | ▼ | $490 | -17.29 | $507 |
| Loan Growth YoY (%) | ▼ | 103.13% | -2.50 | 105.63% |
| Total Deposits ($M) | ▼ | $469 | -5.42 | $475 |
| Shareholders Equity ($M) | ▲ | $56 | +5.09 | $51 |
| Tang. Book Value ($M) | ▲ | $56 | +5.04 | $51 |
| Loan / Deposit Ratio (%) | ▼ | 103.13% | -2.50 | 105.63% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.83% | +0.51 | 1.32% |
| Allowance / Loans (%) | — | 1.21% | 0.08% | 1.13% |
| Net Charge-Off Ratio (%) | ▼ | 2.03% | +0.61 | 1.42% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.14% | +1.56 | 10.58% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆██ | Net Interest Margin (%) | 3.23% | 3.25% | 3.42% | 3.54% | 3.64% | 3.73% | 3.85% | 3.92% |
| ▁▁▄▆▆▇██ | Return on Assets (%) | 0.89% | 0.93% | 1.23% | 1.42% | 1.49% | 1.56% | 1.66% | 1.70% |
| ██▆▂▂▁▁▁ | Efficiency Ratio (%) | 67.8% | 67.6% | 65.3% | 60.8% | 60.1% | 59.5% | 58.8% | 58.5% |
| ██▇▆▆▄▁▁ | Cost of Funds (%) | 2.50% | 2.49% | 2.44% | 2.36% | 2.37% | 2.25% | 2.10% | 2.09% |
| ▅▁▃▃▅▂▄█ | NPA / Assets (%) | 1.49% | 1.05% | 1.30% | 1.32% | 1.53% | 1.22% | 1.41% | 1.83% |
| ▅▁▃▃▅▂▄█ | Net Charge-Off Ratio (%) | 1.62% | 1.17% | 1.42% | 1.42% | 1.65% | 1.36% | 1.58% | 2.03% |
| ▁▂▃▄▅▇██ | Tang. Book Value ($M) | $47 | $49 | $50 | $51 | $52 | $54 | $56 | $56 |
| ▇▆▂███▁▁ | Gross Loans ($M) | $505 | $503 | $495 | $507 | $507 | $509 | $490 | $490 |
| ▁▆▃▅▂█▄▃ | Total Deposits ($M) | $460 | $482 | $469 | $475 | $465 | $490 | $473 | $469 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 75% |
| C&I / Commercial | 13% |
| Agricultural | 7% |
| Consumer | 2% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 11% |