Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.90% | +1.32 | 1.58% |
| Return on Equity (%) | ▲ | 9.72% | +4.37 | 5.35% |
| Net Interest Margin (%) | ▲ | 5.08% | +0.37 | 4.71% |
| Efficiency Ratio (%) | ▲ | 41.00% | -6.48 | 47.47% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.35 | $1 |
| Cost of Funds (%) | ▲ | 0.98% | -0.10 | 1.08% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $235 | +11.48 | $223 |
| Gross Loans ($M) | ▲ | $117 | +3.98 | $113 |
| Loan Growth YoY (%) | ▼ | 72.20% | -0.43 | 72.63% |
| Total Deposits ($M) | ▲ | $160 | +6.08 | $154 |
| Shareholders Equity ($M) | ▲ | $71 | +5.13 | $66 |
| Tang. Book Value ($M) | ▲ | $71 | +5.13 | $66 |
| TBV excl. AOCI ($M)** | ▲ | $75 | +5.50 | $69 |
| Loan / Deposit Ratio (%) | ▼ | 72.20% | -0.43 | 72.63% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.07% | -0.41 | 1.48% |
| Allowance / Loans (%) | — | 0.91% | 0.19% | 0.72% |
| Net Charge-Off Ratio (%) | ▲ | 2.09% | -0.75 | 2.84% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▁▃▆█▇█ | Net Interest Margin (%) | 4.60% | 4.64% | 4.52% | 4.71% | 4.93% | 5.01% | 4.94% | 5.08% |
| ▄▁▄▁▃▁██ | Return on Assets (%) | 2.08% | 1.49% | 2.21% | 1.58% | 2.01% | 1.60% | 3.02% | 2.90% |
| ▄█▃▄▃▇▁▁ | Efficiency Ratio (%) | 47.9% | 59.3% | 46.2% | 47.5% | 46.3% | 54.4% | 38.9% | 41.0% |
| ▄█▇▅▅▃▁▁ | Cost of Funds (%) | 1.06% | 1.16% | 1.11% | 1.08% | 1.06% | 1.02% | 0.96% | 0.98% |
| ▆▆█▅▁▂▃▁ | NPA / Assets (%) | 1.56% | 1.59% | 1.85% | 1.48% | 1.05% | 1.19% | 1.27% | 1.07% |
| ▆▆█▄▁▂▃▁ | Net Charge-Off Ratio (%) | 3.13% | 3.19% | 3.70% | 2.84% | 2.04% | 2.35% | 2.52% | 2.09% |
| ▂▁▂▃▅▅▇█ | Tang. Book Value ($M) | $65 | $64 | $65 | $66 | $68 | $68 | $70 | $71 |
| ▁▁▄▅▆▇██ | Gross Loans ($M) | $107 | $108 | $111 | $113 | $114 | $114 | $116 | $117 |
| ▁▁▃▃▄▇█▇ | Total Deposits ($M) | $151 | $150 | $154 | $154 | $156 | $160 | $163 | $160 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 5% |
| Agricultural | 2% |
| Consumer | 16% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 10% |