Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.86% | -0.04 | 1.90% |
| Return on Equity (%) | ▼ | 14.82% | -1.38 | 16.20% |
| Net Interest Margin (%) | ▼ | 4.72% | -0.01 | 4.73% |
| Efficiency Ratio (%) | ▼ | 61.48% | +0.86 | 60.63% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.12 | $1 |
| Cost of Funds (%) | ▲ | 1.14% | -0.17 | 1.31% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $293 | +15.40 | $278 |
| Gross Loans ($M) | ▼ | $232 | -0.20 | $232 |
| Loan Growth YoY (%) | ▼ | 92.64% | -3.98 | 96.61% |
| Total Deposits ($M) | ▲ | $247 | +11.51 | $235 |
| Shareholders Equity ($M) | ▲ | $38 | +4.42 | $33 |
| Tang. Book Value ($M) | ▲ | $37 | +4.47 | $33 |
| TBV excl. AOCI ($M)** | ▲ | $38 | +4.55 | $34 |
| Loan / Deposit Ratio (%) | ▼ | 92.64% | -3.98 | 96.61% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.74% | -0.87 | 1.62% |
| Allowance / Loans (%) | — | 1.42% | -0.65% | 2.07% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -1.94 | 1.94% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▂▇██▄▆ | Net Interest Margin (%) | 4.42% | 4.48% | 4.49% | 4.73% | 4.82% | 4.82% | 4.60% | 4.72% |
| ▁▂▄█▇█▇█ | Return on Assets (%) | 1.38% | 1.49% | 1.62% | 1.90% | 1.82% | 1.87% | 1.79% | 1.86% |
| █▇█▃▁▁▄▅ | Efficiency Ratio (%) | 63.6% | 63.3% | 64.0% | 60.6% | 58.7% | 59.1% | 61.2% | 61.5% |
| █▇▆▄▄▂▁▁ | Cost of Funds (%) | 1.60% | 1.49% | 1.43% | 1.31% | 1.29% | 1.19% | 1.10% | 1.14% |
| ▁████▄▄▄ | NPA / Assets (%) | 0.00% | 1.66% | 1.62% | 1.62% | 1.54% | 0.82% | 0.75% | 0.74% |
| ▁████▄▅▁ | Net Charge-Off Ratio (%) | 0.00% | 1.94% | 1.99% | 1.94% | 1.78% | 0.99% | 1.00% | 0.00% |
| ▁▁▂▃▄▆▇█ | Tang. Book Value ($M) | $31 | $30 | $32 | $33 | $34 | $35 | $36 | $37 |
| ▁▄▂▅█▆▁▄ | Gross Loans ($M) | $225 | $232 | $226 | $232 | $241 | $235 | $223 | $232 |
| ▁▂▅▅▅▆█▇ | Total Deposits ($M) | $215 | $220 | $236 | $235 | $235 | $240 | $252 | $247 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 63% |
| C&I / Commercial | 9% |
| Agricultural | 19% |
| Consumer | 2% |
| Other | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 7% |