Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.54% | +0.06 | 1.48% |
| Return on Equity (%) | ▲ | 16.60% | +1.16 | 15.44% |
| Net Interest Margin (%) | ▲ | 3.55% | +0.10 | 3.46% |
| Efficiency Ratio (%) | ▲ | 53.02% | -0.77 | 53.79% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.12 | $1 |
| Cost of Funds (%) | ▲ | 2.49% | -0.21 | 2.70% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $209 | +24.17 | $185 |
| Gross Loans ($M) | ▲ | $164 | +8.57 | $156 |
| Loan Growth YoY (%) | ▼ | 90.68% | -5.62 | 96.30% |
| Total Deposits ($M) | ▲ | $179 | +19.16 | $160 |
| Shareholders Equity ($M) | ▲ | $19 | +1.04 | $18 |
| Tang. Book Value ($M) | ▲ | $19 | +1.04 | $18 |
| Loan / Deposit Ratio (%) | ▼ | 90.68% | -5.62 | 96.30% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.91% | +0.56 | 0.35% |
| Allowance / Loans (%) | — | 1.09% | 0.06% | 1.03% |
| Net Charge-Off Ratio (%) | ▼ | 0.87% | +0.76 | 0.11% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▄▁▃▆█▅█ | Net Interest Margin (%) | 3.47% | 3.46% | 3.39% | 3.46% | 3.53% | 3.57% | 3.50% | 3.55% |
| ▅▁▁▃██▅▆ | Return on Assets (%) | 1.53% | 1.44% | 1.43% | 1.48% | 1.58% | 1.59% | 1.52% | 1.54% |
| ▅██▆▂▁▆▄ | Efficiency Ratio (%) | 53.7% | 54.9% | 55.1% | 53.8% | 52.1% | 51.5% | 53.8% | 53.0% |
| ██▅▄▅▄▁▁ | Cost of Funds (%) | 2.92% | 2.87% | 2.74% | 2.70% | 2.73% | 2.66% | 2.54% | 2.49% |
| ▁▃▃▃▂▃██ | NPA / Assets (%) | 0.02% | 0.36% | 0.36% | 0.35% | 0.25% | 0.34% | 1.03% | 0.91% |
| ▁▄▄▁▁▁██ | Net Charge-Off Ratio (%) | 0.02% | 0.45% | 0.43% | 0.11% | 0.00% | 0.12% | 0.98% | 0.87% |
| ▁▂▃▅▄▆██ | Tang. Book Value ($M) | $16 | $17 | $17 | $18 | $17 | $18 | $18 | $19 |
| ▁▁▂▅▇▆▆█ | Gross Loans ($M) | $147 | $146 | $150 | $156 | $161 | $158 | $159 | $164 |
| ▁▂▂▄▄▅▆█ | Total Deposits ($M) | $148 | $155 | $155 | $160 | $161 | $167 | $169 | $179 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 75% |
| C&I / Commercial | 13% |
| Agricultural | 8% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 8% |
| Interest-Bearing (core) | 83% |
| Brokered / Other | 9% |