Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.77% | -0.14 | 1.91% |
| Return on Equity (%) | ▼ | 9.85% | -1.10 | 10.95% |
| Net Interest Margin (%) | ▼ | 3.26% | -0.15 | 3.40% |
| Efficiency Ratio (%) | ▼ | 42.53% | +1.66 | 40.87% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.09 | $1 |
| Cost of Funds (%) | ▲ | 1.74% | -0.20 | 1.94% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $148 | +5.04 | $143 |
| Gross Loans ($M) | ▼ | $96 | -8.43 | $105 |
| Loan Growth YoY (%) | ▼ | 84.90% | -10.58 | 95.49% |
| Total Deposits ($M) | ▲ | $112 | +3.54 | $108 |
| Shareholders Equity ($M) | ▲ | $27 | +1.76 | $25 |
| Tang. Book Value ($M) | ▲ | $27 | +1.76 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +2.41 | $26 |
| Loan / Deposit Ratio (%) | ▼ | 84.90% | -10.58 | 95.49% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.97% | +1.07 | 0.90% |
| Allowance / Loans (%) | — | 1.40% | 0.11% | 1.29% |
| Net Charge-Off Ratio (%) | ▼ | 3.04% | +1.80 | 1.24% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 26.80% | +1.94 | 24.86% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▂█▃█▅▁ | Net Interest Margin (%) | 3.29% | 3.28% | 3.29% | 3.40% | 3.30% | 3.40% | 3.33% | 3.26% |
| ▁▁▄█▃▇▅▃ | Return on Assets (%) | 1.70% | 1.69% | 1.78% | 1.91% | 1.77% | 1.88% | 1.81% | 1.77% |
| ▇█▄▁▄▁▃▄ | Efficiency Ratio (%) | 44.3% | 45.0% | 42.8% | 40.9% | 42.4% | 41.2% | 42.0% | 42.5% |
| ██▅▇▅▃▁▁ | Cost of Funds (%) | 2.00% | 1.97% | 1.87% | 1.94% | 1.89% | 1.80% | 1.72% | 1.74% |
| ▁▁▁▄▄▁▂█ | NPA / Assets (%) | 0.00% | 0.00% | 0.07% | 0.90% | 0.90% | 0.00% | 0.46% | 1.97% |
| ▁▁▁▄▄▁▂█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.10% | 1.24% | 1.30% | 0.00% | 0.70% | 3.04% |
| ▂▁▁▂▅▇▇█ | Tang. Book Value ($M) | $25 | $25 | $25 | $25 | $26 | $26 | $27 | $27 |
| ▇▇█▇▃▁▃▁ | Gross Loans ($M) | $105 | $105 | $107 | $105 | $100 | $97 | $100 | $96 |
| ▁▃▆▅▅▇█▇ | Total Deposits ($M) | $101 | $106 | $109 | $108 | $108 | $112 | $114 | $112 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 51% |
| C&I / Commercial | 14% |
| Agricultural | 32% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 12% |