Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.33% | +0.40 | 0.93% |
| Return on Equity (%) | ▲ | 14.02% | +2.70 | 11.32% |
| Net Interest Margin (%) | ▲ | 2.72% | +0.52 | 2.20% |
| Efficiency Ratio (%) | ▲ | 45.32% | -5.84 | 51.16% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.34 | $1 |
| Cost of Funds (%) | ▲ | 2.20% | -0.28 | 2.48% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $288 | +2.52 | $285 |
| Gross Loans ($M) | ▲ | $212 | +11.74 | $200 |
| Loan Growth YoY (%) | ▲ | 82.80% | +2.77 | 80.03% |
| Total Deposits ($M) | ▲ | $253 | +5.75 | $247 |
| Shareholders Equity ($M) | ▲ | $28 | +3.81 | $25 |
| Tang. Book Value ($M) | ▲ | $28 | +3.81 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +3.62 | $28 |
| Loan / Deposit Ratio (%) | ▲ | 82.80% | +2.77 | 80.03% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.73% | +0.33 | 0.39% |
| Allowance / Loans (%) | — | 1.21% | -0.01% | 1.22% |
| Net Charge-Off Ratio (%) | ▼ | 0.80% | +0.24 | 0.56% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.11% | +0.35 | 14.76% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 1.67% | 1.76% | 2.18% | 2.20% | 2.28% | 2.35% | 2.64% | 2.72% |
| ▁▁▄▄▅▅▇█ | Return on Assets (%) | 0.62% | 0.65% | 0.95% | 0.93% | 1.04% | 1.06% | 1.22% | 1.33% |
| ██▃▃▃▃▁▁ | Efficiency Ratio (%) | 62.0% | 61.8% | 49.2% | 51.2% | 49.1% | 50.7% | 44.8% | 45.3% |
| █▄▄▄▃▂▁▁ | Cost of Funds (%) | 2.80% | 2.47% | 2.43% | 2.48% | 2.41% | 2.28% | 2.20% | 2.20% |
| ▁▃▅▂▁▁▂█ | NPA / Assets (%) | 0.33% | 0.46% | 0.53% | 0.39% | 0.35% | 0.37% | 0.40% | 0.73% |
| ▃▆█▄▄▁▁█ | Net Charge-Off Ratio (%) | 0.48% | 0.67% | 0.75% | 0.56% | 0.51% | 0.33% | 0.37% | 0.80% |
| ▁▁▃▃▆▇▇█ | Tang. Book Value ($M) | $23 | $23 | $24 | $25 | $27 | $27 | $27 | $28 |
| ▁▃▅▃▃▇██ | Gross Loans ($M) | $194 | $201 | $205 | $200 | $199 | $209 | $213 | $212 |
| ▁▂▃▂▆▆█▅ | Total Deposits ($M) | $243 | $246 | $250 | $247 | $255 | $255 | $261 | $253 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 63% |
| C&I / Commercial | 9% |
| Agricultural | 26% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 11% |