Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.06% | +0.12 | 0.94% |
| Return on Equity (%) | ▲ | 9.52% | +0.35 | 9.17% |
| Net Interest Margin (%) | ▲ | 3.56% | +0.45 | 3.11% |
| Efficiency Ratio (%) | ▼ | 59.51% | +2.34 | 57.17% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.18 | $1 |
| Cost of Funds (%) | ▲ | 1.93% | -0.09 | 2.02% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $254 | +4.23 | $250 |
| Gross Loans ($M) | ▲ | $190 | +16.44 | $173 |
| Loan Growth YoY (%) | ▲ | 84.06% | +6.41 | 77.64% |
| Total Deposits ($M) | ▲ | $224 | +2.56 | $221 |
| Shareholders Equity ($M) | ▲ | $29 | +2.48 | $26 |
| Tang. Book Value ($M) | ▲ | $29 | +2.48 | $26 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +1.73 | $29 |
| Loan / Deposit Ratio (%) | ▲ | 84.06% | +6.41 | 77.64% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.36% | +0.25 | 1.11% |
| Allowance / Loans (%) | — | 0.92% | -0.03% | 0.95% |
| Net Charge-Off Ratio (%) | ▼ | 1.67% | +0.07 | 1.60% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▅▆▆█ | Net Interest Margin (%) | 2.55% | 2.66% | 3.06% | 3.11% | 3.17% | 3.28% | 3.30% | 3.56% |
| ▁▁█▆▇▇▇█ | Return on Assets (%) | 0.60% | 0.64% | 1.04% | 0.94% | 0.96% | 0.97% | 0.98% | 1.06% |
| ██▁▂▂▁▄▃ | Efficiency Ratio (%) | 67.9% | 66.5% | 56.3% | 57.2% | 57.1% | 55.5% | 61.0% | 59.5% |
| ██▄▃▃▃▁▁ | Cost of Funds (%) | 2.31% | 2.32% | 2.08% | 2.02% | 2.02% | 2.00% | 1.87% | 1.93% |
| ▅▁▃▄▇▃█▆ | NPA / Assets (%) | 1.25% | 0.74% | 1.00% | 1.11% | 1.44% | 0.96% | 1.58% | 1.36% |
| █▁▄▅█▁█▆ | Net Charge-Off Ratio (%) | 1.86% | 1.07% | 1.47% | 1.60% | 1.87% | 1.17% | 1.95% | 1.67% |
| ▁▁▃▄▆▆▇█ | Tang. Book Value ($M) | $25 | $25 | $26 | $26 | $27 | $28 | $28 | $29 |
| ▁▁▁▂▄▆██ | Gross Loans ($M) | $169 | $169 | $169 | $173 | $178 | $182 | $187 | $190 |
| ▆▅▅▄▁▃█▇ | Total Deposits ($M) | $223 | $222 | $222 | $221 | $218 | $220 | $225 | $224 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 55% |
| C&I / Commercial | 17% |
| Agricultural | 21% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 12% |