Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.92% | +0.08 | 0.84% |
| Return on Equity (%) | ▲ | 6.73% | +0.01 | 6.72% |
| Net Interest Margin (%) | ▲ | 5.48% | +0.33 | 5.15% |
| Efficiency Ratio (%) | ▲ | 76.41% | -2.49 | 78.90% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.01 | $0 |
| Cost of Funds (%) | ▲ | 1.38% | -0.12 | 1.50% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $99 | -1.46 | $100 |
| Gross Loans ($M) | ▲ | $71 | +2.55 | $68 |
| Loan Growth YoY (%) | ▲ | 83.18% | +5.02 | 78.16% |
| Total Deposits ($M) | ▼ | $83 | -1.99 | $85 |
| Shareholders Equity ($M) | ▲ | $14 | +0.67 | $13 |
| Tang. Book Value ($M) | ▲ | $14 | +0.67 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 83.18% | +5.02 | 78.16% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 4.82% | +0.68 | 4.14% |
| Allowance / Loans (%) | — | 2.65% | -0.19% | 2.84% |
| Net Charge-Off Ratio (%) | ▼ | 5.50% | +0.77 | 4.74% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.95% | +0.75 | 16.21% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▃██▆▇ | Net Interest Margin (%) | 4.86% | 4.87% | 5.06% | 5.15% | 5.65% | 5.58% | 5.45% | 5.48% |
| ▄▇▁▂█▆▄▅ | Return on Assets (%) | 0.88% | 1.01% | 0.76% | 0.84% | 1.07% | 0.96% | 0.90% | 0.92% |
| ▄▂█▆▁▂▂▄ | Efficiency Ratio (%) | 77.0% | 75.2% | 81.1% | 78.9% | 73.3% | 74.5% | 75.3% | 76.4% |
| ▇█▆▅▄▁▃▃ | Cost of Funds (%) | 1.64% | 1.71% | 1.57% | 1.50% | 1.47% | 1.24% | 1.39% | 1.38% |
| ▃▁▂▅▅▇▃█ | NPA / Assets (%) | 3.51% | 3.02% | 3.34% | 4.14% | 4.05% | 4.40% | 3.53% | 4.82% |
| ▁▁▃▅▄█▄█ | Net Charge-Off Ratio (%) | 3.79% | 3.56% | 4.11% | 4.74% | 4.42% | 5.59% | 4.45% | 5.50% |
| ▅▁▂▅▇▇██ | Tang. Book Value ($M) | $13 | $13 | $13 | $13 | $14 | $14 | $14 | $14 |
| █▂▁▄▄▁▁▆ | Gross Loans ($M) | $75 | $66 | $64 | $68 | $68 | $64 | $64 | $71 |
| ▂▇█▄▁▄▇▂ | Total Deposits ($M) | $83 | $90 | $91 | $85 | $81 | $86 | $89 | $83 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 49% |
| C&I / Commercial | 8% |
| Agricultural | 39% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 7% |