Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.74% | +0.46 | 1.28% |
| Return on Equity (%) | ▲ | 24.32% | +3.98 | 20.34% |
| Net Interest Margin (%) | ▲ | 4.89% | +0.54 | 4.36% |
| Efficiency Ratio (%) | ▲ | 58.23% | -4.15 | 62.39% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.51 | $1 |
| Cost of Funds (%) | ▲ | 1.19% | -0.30 | 1.49% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $336 | +14.82 | $321 |
| Gross Loans ($M) | ▲ | $221 | +20.81 | $200 |
| Loan Growth YoY (%) | ▲ | 70.74% | +4.53 | 66.22% |
| Total Deposits ($M) | ▲ | $308 | +10.01 | $298 |
| Shareholders Equity ($M) | ▲ | $23 | +1.98 | $22 |
| Tang. Book Value ($M) | ▲ | $23 | +1.98 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +2.80 | $25 |
| Loan / Deposit Ratio (%) | ▲ | 70.74% | +4.53 | 66.22% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.68% | -0.06 | 0.73% |
| Allowance / Loans (%) | — | 1.32% | -0.03% | 1.34% |
| Net Charge-Off Ratio (%) | ▲ | 1.03% | -0.15 | 1.18% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▅▅██ | Net Interest Margin (%) | 4.07% | 4.14% | 4.27% | 4.36% | 4.48% | 4.58% | 4.80% | 4.89% |
| ▇▇▁▅▅▆▆█ | Return on Assets (%) | 1.45% | 1.57% | 0.53% | 1.28% | 1.19% | 1.38% | 1.38% | 1.74% |
| █▆▇█▃▁▅▂ | Efficiency Ratio (%) | 62.3% | 60.9% | 61.4% | 62.4% | 59.1% | 57.4% | 60.1% | 58.2% |
| ██▇▆▅▃▃▁ | Cost of Funds (%) | 1.61% | 1.63% | 1.53% | 1.49% | 1.45% | 1.36% | 1.33% | 1.19% |
| ▃▁▁▇███▇ | NPA / Assets (%) | 0.29% | 0.04% | 0.12% | 0.73% | 0.81% | 0.87% | 0.80% | 0.68% |
| ▃▁▁▇███▆ | Net Charge-Off Ratio (%) | 0.45% | 0.06% | 0.17% | 1.18% | 1.30% | 1.39% | 1.23% | 1.03% |
| ▃▁▁▃▆█▃▅ | Tang. Book Value ($M) | $21 | $20 | $19 | $21 | $24 | $27 | $22 | $23 |
| ▆██▁▄▆▆█ | Gross Loans ($M) | $215 | $220 | $221 | $200 | $208 | $214 | $215 | $221 |
| █▅▁▁▆█▅▆ | Total Deposits ($M) | $313 | $306 | $298 | $298 | $309 | $314 | $308 | $308 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 12% |
| Agricultural | 18% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 5% |