Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.20% | +0.49 | 0.71% |
| Return on Equity (%) | ▲ | 10.92% | +4.10 | 6.82% |
| Net Interest Margin (%) | ▲ | 4.37% | +0.61 | 3.76% |
| Efficiency Ratio (%) | ▲ | 51.36% | -9.01 | 60.37% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.65 | $1 |
| Cost of Funds (%) | ▲ | 2.61% | -0.26 | 2.87% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $312 | +11.04 | $300 |
| Gross Loans ($M) | ▲ | $263 | +9.08 | $254 |
| Loan Growth YoY (%) | ▲ | 93.98% | +0.38 | 93.60% |
| Total Deposits ($M) | ▲ | $276 | +8.33 | $267 |
| Shareholders Equity ($M) | ▲ | $35 | +2.48 | $32 |
| Tang. Book Value ($M) | ▲ | $35 | +2.48 | $32 |
| TBV excl. AOCI ($M)** | ▲ | $36 | +2.59 | $34 |
| Loan / Deposit Ratio (%) | ▲ | 93.98% | +0.38 | 93.60% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.08% | +0.16 | 0.92% |
| Allowance / Loans (%) | — | 1.60% | 0.03% | 1.57% |
| Net Charge-Off Ratio (%) | ▼ | 1.18% | +0.16 | 1.01% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▄▅██ | Net Interest Margin (%) | 3.35% | 3.39% | 3.63% | 3.76% | 3.84% | 3.98% | 4.26% | 4.37% |
| ▁▂▁▃▃▄▆█ | Return on Assets (%) | 0.47% | 0.57% | 0.50% | 0.71% | 0.68% | 0.80% | 0.98% | 1.20% |
| ██▇▇▆▅▃▁ | Efficiency Ratio (%) | 62.2% | 61.4% | 60.3% | 60.4% | 59.0% | 56.8% | 55.0% | 51.4% |
| █▇▄▄▄▂▁▁ | Cost of Funds (%) | 3.32% | 3.16% | 2.93% | 2.87% | 2.89% | 2.69% | 2.59% | 2.61% |
| ▄▁▁▄▇▄█▆ | NPA / Assets (%) | 0.95% | 0.76% | 0.73% | 0.92% | 1.10% | 0.91% | 1.21% | 1.08% |
| ▅▁▁▃▆▂█▆ | Net Charge-Off Ratio (%) | 1.12% | 0.91% | 0.87% | 1.01% | 1.18% | 0.97% | 1.36% | 1.18% |
| ▁▁▁▂▄▆▆█ | Tang. Book Value ($M) | $32 | $32 | $32 | $32 | $33 | $34 | $34 | $35 |
| ▁▂▂▁▂▇▇█ | Gross Loans ($M) | $253 | $255 | $255 | $254 | $256 | $262 | $261 | $263 |
| ▁▆▇▁▂██▇ | Total Deposits ($M) | $268 | $274 | $275 | $267 | $269 | $276 | $277 | $276 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 8% |
| Agricultural | 4% |
| Consumer | 20% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 8% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 32% |