Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.68% | +0.15 | 0.53% |
| Return on Equity (%) | ▲ | 6.90% | +1.36 | 5.54% |
| Net Interest Margin (%) | ▲ | 3.94% | +0.00 | 3.93% |
| Efficiency Ratio (%) | ▲ | 72.18% | -2.19 | 74.37% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.06 | $0 |
| Cost of Funds (%) | ▼ | 1.26% | +0.03 | 1.23% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $186 | +13.95 | $172 |
| Gross Loans ($M) | ▲ | $109 | +2.62 | $107 |
| Loan Growth YoY (%) | ▼ | 65.15% | -3.51 | 68.65% |
| Total Deposits ($M) | ▲ | $166 | +12.57 | $153 |
| Shareholders Equity ($M) | ▲ | $19 | +1.26 | $17 |
| Tang. Book Value ($M) | ▲ | $18 | +1.26 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +1.32 | $19 |
| Loan / Deposit Ratio (%) | ▼ | 65.15% | -3.51 | 68.65% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.32% | -0.21 | 0.53% |
| Allowance / Loans (%) | — | 1.13% | -0.21% | 1.34% |
| Net Charge-Off Ratio (%) | ▲ | 0.54% | -0.32 | 0.86% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▃▃▆██▄▆ | Net Interest Margin (%) | 3.68% | 3.77% | 3.78% | 3.93% | 4.01% | 4.05% | 3.86% | 3.94% |
| ▆▅▁▂▅▇█▇ | Return on Assets (%) | 0.64% | 0.61% | 0.48% | 0.53% | 0.62% | 0.67% | 0.72% | 0.68% |
| ▄▆█▆▄▄▄▁ | Efficiency Ratio (%) | 73.5% | 74.3% | 75.3% | 74.4% | 73.5% | 73.5% | 73.4% | 72.2% |
| ▃▄█▁▃▃▄▂ | Cost of Funds (%) | 1.27% | 1.28% | 1.34% | 1.23% | 1.27% | 1.27% | 1.28% | 1.26% |
| █▅▆▃▁▁▁▂ | NPA / Assets (%) | 1.22% | 0.80% | 0.89% | 0.53% | 0.16% | 0.15% | 0.14% | 0.32% |
| █▅▆▃▁▁▁▂ | Net Charge-Off Ratio (%) | 2.04% | 1.24% | 1.39% | 0.86% | 0.25% | 0.23% | 0.24% | 0.54% |
| ▃▁▂▄▆▇▇█ | Tang. Book Value ($M) | $16 | $16 | $16 | $17 | $17 | $18 | $18 | $18 |
| ▁▄▁▂▆█▃▃ | Gross Loans ($M) | $105 | $111 | $105 | $107 | $115 | $119 | $110 | $109 |
| ▂▁▂▃▆▅██ | Total Deposits ($M) | $150 | $147 | $151 | $153 | $160 | $158 | $166 | $166 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 47% |
| C&I / Commercial | 26% |
| Agricultural | 17% |
| Consumer | 8% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 81% |
| Interest-Bearing (core) | 5% |
| Brokered / Other | 14% |