Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.12% | -0.27 | 1.39% |
| Return on Equity (%) | ▼ | 10.55% | -3.58 | 14.13% |
| Net Interest Margin (%) | ▲ | 4.44% | +0.35 | 4.10% |
| Efficiency Ratio (%) | ▼ | 65.29% | +1.13 | 64.17% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.12 | $1 |
| Cost of Funds (%) | ▲ | 1.48% | -0.24 | 1.72% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $309 | +4.19 | $305 |
| Gross Loans ($M) | ▼ | $227 | -3.97 | $231 |
| Loan Growth YoY (%) | ▼ | 82.01% | -1.91 | 83.92% |
| Total Deposits ($M) | ▲ | $274 | +2.63 | $271 |
| Shareholders Equity ($M) | ▲ | $32 | +1.73 | $31 |
| Tang. Book Value ($M) | ▲ | $32 | +1.73 | $31 |
| TBV excl. AOCI ($M)** | ▲ | $35 | +1.84 | $33 |
| Loan / Deposit Ratio (%) | ▼ | 82.01% | -1.91 | 83.92% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.14% | -1.19 | 2.32% |
| Allowance / Loans (%) | — | 0.94% | -0.40% | 1.34% |
| Net Charge-Off Ratio (%) | ▲ | 1.29% | -1.73 | 3.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.96% | +0.75 | 14.21% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▆▆██ | Net Interest Margin (%) | 3.92% | 3.95% | 4.02% | 4.10% | 4.27% | 4.29% | 4.38% | 4.44% |
| ▃▄▅▅█▇▅▁ | Return on Assets (%) | 1.26% | 1.32% | 1.41% | 1.39% | 1.59% | 1.53% | 1.39% | 1.12% |
| █▇▁▆▂▅▅█ | Efficiency Ratio (%) | 65.8% | 65.0% | 60.7% | 64.2% | 61.9% | 63.9% | 63.6% | 65.3% |
| █▇▅▄▄▃▁▁ | Cost of Funds (%) | 2.10% | 1.97% | 1.84% | 1.72% | 1.76% | 1.70% | 1.49% | 1.48% |
| ▁▂██▂▁▄▃ | NPA / Assets (%) | 0.67% | 0.98% | 2.17% | 2.32% | 0.99% | 0.62% | 1.27% | 1.14% |
| ▁▃██▃▁▄▃ | Net Charge-Off Ratio (%) | 0.90% | 1.28% | 2.83% | 3.02% | 1.25% | 0.60% | 1.51% | 1.29% |
| ▄▁▃▄▇▇██ | Tang. Book Value ($M) | $30 | $29 | $30 | $31 | $32 | $32 | $33 | $32 |
| ▃▅▁█▄▃▂▄ | Gross Loans ($M) | $225 | $228 | $224 | $231 | $227 | $226 | $225 | $227 |
| ▄▃▂▇▂▁▅█ | Total Deposits ($M) | $267 | $266 | $265 | $271 | $264 | $262 | $268 | $274 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 5% |
| Agricultural | 5% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 16% |