Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.50% | +0.09 | 1.40% |
| Return on Equity (%) | ▼ | 15.03% | -0.23 | 15.26% |
| Net Interest Margin (%) | ▲ | 4.12% | +0.05 | 4.07% |
| Efficiency Ratio (%) | ▲ | 47.10% | -3.41 | 50.51% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.09 | $1 |
| Cost of Funds (%) | ▲ | 1.31% | -0.16 | 1.47% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $254 | +8.58 | $246 |
| Gross Loans ($M) | ▼ | $191 | -1.04 | $192 |
| Loan Growth YoY (%) | ▼ | 84.32% | -2.82 | 87.14% |
| Total Deposits ($M) | ▲ | $223 | +5.89 | $217 |
| Shareholders Equity ($M) | ▲ | $27 | +2.54 | $24 |
| Tang. Book Value ($M) | ▲ | $26 | +2.71 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +2.76 | $26 |
| Loan / Deposit Ratio (%) | ▼ | 84.32% | -2.82 | 87.14% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.93% | -0.54 | 1.47% |
| Allowance / Loans (%) | — | 1.18% | 0.07% | 1.11% |
| Net Charge-Off Ratio (%) | ▲ | 1.25% | -0.64 | 1.88% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.87% | +1.80 | 12.07% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▄▁▆██▃▇ | Net Interest Margin (%) | 3.86% | 3.98% | 3.82% | 4.07% | 4.21% | 4.21% | 3.94% | 4.12% |
| ▃▃▁▇█▇▆█ | Return on Assets (%) | 1.18% | 1.20% | 1.06% | 1.40% | 1.50% | 1.39% | 1.36% | 1.50% |
| ▆██▃▁▅▅▁ | Efficiency Ratio (%) | 53.9% | 56.7% | 57.2% | 50.5% | 48.0% | 52.7% | 52.7% | 47.1% |
| █▄▃▃▄▁▁▁ | Cost of Funds (%) | 1.76% | 1.49% | 1.46% | 1.47% | 1.49% | 1.33% | 1.36% | 1.31% |
| █▁▁█▁▁▁▂ | NPA / Assets (%) | 1.42% | 0.81% | 0.84% | 1.47% | 0.88% | 0.81% | 0.84% | 0.93% |
| █▁▂█▁▁▂▂ | Net Charge-Off Ratio (%) | 1.94% | 1.14% | 1.24% | 1.88% | 1.11% | 1.12% | 1.21% | 1.25% |
| ▁▁▂▄▆▇▇█ | Tang. Book Value ($M) | $22 | $22 | $23 | $24 | $25 | $25 | $26 | $26 |
| ▃▃▁▇█▇▂▆ | Gross Loans ($M) | $181 | $179 | $173 | $192 | $197 | $194 | $179 | $191 |
| ▁▅▅▂▁█▅▄ | Total Deposits ($M) | $212 | $226 | $227 | $217 | $213 | $239 | $227 | $223 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 40% |
| C&I / Commercial | 9% |
| Agricultural | 47% |
| Consumer | 2% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 17% |