Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.67% | +0.08 | 1.59% |
| Return on Equity (%) | ▼ | 13.89% | -0.33 | 14.22% |
| Net Interest Margin (%) | ▲ | 4.19% | +0.22 | 3.97% |
| Efficiency Ratio (%) | ▼ | 57.72% | +0.82 | 56.89% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.03 | $1 |
| Cost of Funds (%) | ▲ | 1.67% | -0.11 | 1.78% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $277 | +11.97 | $265 |
| Gross Loans ($M) | ▲ | $209 | +1.03 | $208 |
| Loan Growth YoY (%) | ▼ | 87.46% | -3.33 | 90.78% |
| Total Deposits ($M) | ▲ | $236 | +9.81 | $227 |
| Shareholders Equity ($M) | ▲ | $33 | +1.92 | $31 |
| Tang. Book Value ($M) | ▲ | $33 | +1.92 | $31 |
| TBV excl. AOCI ($M)** | ▲ | $35 | +2.52 | $33 |
| Loan / Deposit Ratio (%) | ▼ | 87.46% | -3.33 | 90.78% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.25% | -0.03 | 0.28% |
| Allowance / Loans (%) | — | 0.96% | -0.01% | 0.97% |
| Net Charge-Off Ratio (%) | ▲ | 0.33% | -0.03 | 0.36% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▆▆▇██ | Net Interest Margin (%) | 3.53% | 3.66% | 3.92% | 3.97% | 4.01% | 4.07% | 4.19% | 4.19% |
| ▁▃▆▇███▇ | Return on Assets (%) | 0.99% | 1.21% | 1.57% | 1.59% | 1.72% | 1.74% | 1.78% | 1.67% |
| █▆▃▂▁▁▃▂ | Efficiency Ratio (%) | 64.8% | 61.7% | 58.8% | 56.9% | 56.0% | 55.4% | 58.3% | 57.7% |
| █▅▄▅▅▂▁▃ | Cost of Funds (%) | 2.00% | 1.78% | 1.75% | 1.78% | 1.80% | 1.60% | 1.54% | 1.67% |
| ▃▁▁████▇ | NPA / Assets (%) | 0.11% | 0.01% | 0.00% | 0.28% | 0.31% | 0.29% | 0.29% | 0.25% |
| ▃▁▁████▇ | Net Charge-Off Ratio (%) | 0.14% | 0.02% | 0.00% | 0.36% | 0.39% | 0.36% | 0.37% | 0.33% |
| ▁▁▃▄▇███ | Tang. Book Value ($M) | $29 | $29 | $30 | $31 | $32 | $33 | $33 | $33 |
| ▁▄▃▅▅██▆ | Gross Loans ($M) | $198 | $204 | $204 | $208 | $208 | $215 | $214 | $209 |
| ▅█▇▄▁▃▄█ | Total Deposits ($M) | $229 | $239 | $236 | $227 | $217 | $224 | $227 | $236 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 9% |
| Agricultural | 10% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 2% |