Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.05% | +0.15 | 0.90% |
| Return on Equity (%) | ▲ | 10.60% | +1.11 | 9.49% |
| Net Interest Margin (%) | ▲ | 4.54% | +0.19 | 4.35% |
| Efficiency Ratio (%) | ▲ | 70.05% | -3.51 | 73.56% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.24 | $1 |
| Cost of Funds (%) | ▲ | 0.88% | -0.10 | 0.98% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $206 | +4.97 | $201 |
| Gross Loans ($M) | ▲ | $138 | +14.30 | $123 |
| Loan Growth YoY (%) | ▲ | 74.08% | +6.25 | 67.83% |
| Total Deposits ($M) | ▲ | $184 | +3.75 | $180 |
| Shareholders Equity ($M) | ▲ | $21 | +0.79 | $20 |
| Tang. Book Value ($M) | ▲ | $19 | +0.83 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $22 | +0.89 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 74.08% | +6.25 | 67.83% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.21% | -1.61 | 2.82% |
| Allowance / Loans (%) | — | 1.15% | 0.09% | 1.06% |
| Net Charge-Off Ratio (%) | ▲ | 1.67% | -2.67 | 4.34% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁█▆▇▇▇█ | Net Interest Margin (%) | 3.94% | 3.99% | 4.54% | 4.35% | 4.42% | 4.44% | 4.42% | 4.54% |
| ▆▆█▇▇▁██ | Return on Assets (%) | 0.76% | 0.79% | 1.00% | 0.90% | 0.92% | 0.02% | 0.95% | 1.05% |
| ██▃▇▆▄▂▁ | Efficiency Ratio (%) | 74.6% | 74.4% | 71.7% | 73.6% | 73.4% | 72.1% | 70.7% | 70.1% |
| █▆▄▄▂▁▁▂ | Cost of Funds (%) | 1.16% | 1.06% | 0.98% | 0.98% | 0.86% | 0.81% | 0.85% | 0.88% |
| ▁▂▁██▃▂▂ | NPA / Assets (%) | 0.95% | 1.06% | 0.80% | 2.82% | 2.57% | 1.37% | 1.16% | 1.21% |
| ▁▂▁█▇▃▂▂ | Net Charge-Off Ratio (%) | 1.47% | 1.58% | 1.06% | 4.34% | 3.94% | 2.06% | 1.67% | 1.67% |
| ▂▁▆▇█▇▇█ | Tang. Book Value ($M) | $16 | $14 | $18 | $19 | $20 | $19 | $19 | $19 |
| ▁▂▄▄▅▆▇█ | Gross Loans ($M) | $112 | $117 | $124 | $123 | $127 | $131 | $134 | $138 |
| ▁▂▆▆▆██▇ | Total Deposits ($M) | $161 | $166 | $182 | $180 | $180 | $189 | $187 | $184 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 10% |
| Agricultural | 2% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 9% |