Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.82% | +0.15 | 0.67% |
| Return on Equity (%) | ▲ | 8.25% | +0.38 | 7.87% |
| Net Interest Margin (%) | ▲ | 2.99% | +0.34 | 2.65% |
| Efficiency Ratio (%) | ▲ | 59.29% | -1.26 | 60.54% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $1 |
| Cost of Funds (%) | ▲ | 1.58% | -0.25 | 1.83% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $277 | -17.47 | $294 |
| Gross Loans ($M) | ▼ | $191 | -10.65 | $202 |
| Loan Growth YoY (%) | ▼ | 80.41% | -1.96 | 82.37% |
| Total Deposits ($M) | ▼ | $235 | -6.89 | $242 |
| Shareholders Equity ($M) | ▲ | $28 | +2.06 | $26 |
| Tang. Book Value ($M) | ▲ | $23 | +2.06 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +1.93 | $25 |
| Loan / Deposit Ratio (%) | ▼ | 80.41% | -1.96 | 82.37% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.04% | +0.19 | 1.86% |
| Allowance / Loans (%) | — | 1.39% | -0.11% | 1.50% |
| Net Charge-Off Ratio (%) | ▼ | 2.95% | +0.25 | 2.70% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.87% | +1.30 | 11.57% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▆▇██ | Net Interest Margin (%) | 2.24% | 2.27% | 2.70% | 2.65% | 2.75% | 2.81% | 2.92% | 2.99% |
| ▁▁█▃▅▆▇▅ | Return on Assets (%) | 0.56% | 0.61% | 1.00% | 0.67% | 0.81% | 0.84% | 0.89% | 0.82% |
| █▇▁▄▂▂▂▃ | Efficiency Ratio (%) | 65.0% | 63.4% | 57.2% | 60.5% | 58.8% | 59.0% | 58.4% | 59.3% |
| ██▄▄▄▃▁▁ | Cost of Funds (%) | 2.21% | 2.14% | 1.84% | 1.83% | 1.82% | 1.70% | 1.53% | 1.58% |
| ▁▁▁▇▃▃██ | NPA / Assets (%) | 0.55% | 0.54% | 0.45% | 1.86% | 1.05% | 1.02% | 2.19% | 2.04% |
| ▁▁▁▇▃▃██ | Net Charge-Off Ratio (%) | 0.82% | 0.79% | 0.65% | 2.70% | 1.53% | 1.50% | 3.21% | 2.95% |
| ▃▁▃▄▇█▇█ | Tang. Book Value ($M) | $20 | $19 | $20 | $21 | $22 | $23 | $22 | $23 |
| ▆█▇▅▄▂▂▁ | Gross Loans ($M) | $203 | $209 | $206 | $202 | $200 | $195 | $194 | $191 |
| ▁▃█▄▆▅▇▁ | Total Deposits ($M) | $234 | $239 | $251 | $242 | $246 | $244 | $247 | $235 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 9% |
| Agricultural | 22% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 5% |