Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.46% | +0.30 | 1.15% |
| Return on Equity (%) | ▲ | 11.96% | +1.15 | 10.81% |
| Net Interest Margin (%) | ▲ | 3.74% | +0.34 | 3.39% |
| Efficiency Ratio (%) | ▲ | 59.90% | -1.31 | 61.22% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.05 | $1 |
| Cost of Funds (%) | ▲ | 1.30% | -0.36 | 1.65% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $335 | +2.24 | $332 |
| Gross Loans ($M) | ▼ | $191 | -12.35 | $204 |
| Loan Growth YoY (%) | ▼ | 63.78% | -5.98 | 69.76% |
| Total Deposits ($M) | ▲ | $291 | +7.18 | $284 |
| Shareholders Equity ($M) | ▲ | $42 | +7.54 | $34 |
| Tang. Book Value ($M) | ▲ | $42 | +7.54 | $34 |
| TBV excl. AOCI ($M)** | ▲ | $48 | +8.32 | $40 |
| Loan / Deposit Ratio (%) | ▼ | 63.78% | -5.98 | 69.76% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.22% | +0.03 | 0.19% |
| Allowance / Loans (%) | — | 2.94% | 0.21% | 2.73% |
| Net Charge-Off Ratio (%) | ▼ | 0.39% | +0.07 | 0.31% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▃▄▅██ | Net Interest Margin (%) | 3.22% | 3.26% | 3.36% | 3.39% | 3.47% | 3.48% | 3.74% | 3.74% |
| ▁▃▂▃▂▂█▇ | Return on Assets (%) | 1.00% | 1.17% | 1.08% | 1.15% | 1.12% | 1.13% | 1.59% | 1.46% |
| ▇█▇▄▅█▁▃ | Efficiency Ratio (%) | 64.4% | 66.7% | 64.5% | 61.2% | 62.6% | 66.6% | 56.4% | 59.9% |
| ▇█▇██▇▂▁ | Cost of Funds (%) | 1.62% | 1.69% | 1.62% | 1.65% | 1.64% | 1.60% | 1.35% | 1.30% |
| ▁▁█▇▇▇██ | NPA / Assets (%) | 0.05% | 0.03% | 0.20% | 0.19% | 0.18% | 0.18% | 0.22% | 0.22% |
| ▁▁▇▇▇▇██ | Net Charge-Off Ratio (%) | 0.08% | 0.06% | 0.33% | 0.31% | 0.31% | 0.30% | 0.37% | 0.39% |
| ▁▁▂▁▄▆▆█ | Tang. Book Value ($M) | $35 | $35 | $35 | $34 | $38 | $40 | $40 | $42 |
| ▃▃▃█▅▁▂▁ | Gross Loans ($M) | $195 | $195 | $195 | $204 | $199 | $191 | $194 | $191 |
| ▁▁▄▅██▆█ | Total Deposits ($M) | $274 | $273 | $281 | $284 | $290 | $289 | $286 | $291 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 11% |
| Agricultural | 1% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 10% |