Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.19% | +0.22 | 0.97% |
| Return on Equity (%) | ▲ | 10.32% | +0.98 | 9.34% |
| Net Interest Margin (%) | ▲ | 3.84% | +0.22 | 3.61% |
| Efficiency Ratio (%) | ▲ | 66.83% | -3.21 | 70.05% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.06 | $0 |
| Cost of Funds (%) | ▲ | 0.82% | -0.11 | 0.92% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $167 | +5.91 | $161 |
| Gross Loans ($M) | ▼ | $75 | -0.10 | $75 |
| Loan Growth YoY (%) | ▼ | 51.01% | -1.39 | 52.40% |
| Total Deposits ($M) | ▲ | $143 | +3.39 | $140 |
| Shareholders Equity ($M) | ▲ | $19 | +2.19 | $17 |
| Tang. Book Value ($M) | ▲ | $19 | +2.19 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $22 | +1.98 | $20 |
| Loan / Deposit Ratio (%) | ▼ | 51.01% | -1.39 | 52.40% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.78% | +0.16 | 0.62% |
| Allowance / Loans (%) | — | 2.11% | 0.17% | 1.95% |
| Net Charge-Off Ratio (%) | ▼ | 1.74% | +0.41 | 1.33% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▅▅██ | Net Interest Margin (%) | 3.35% | 3.39% | 3.52% | 3.61% | 3.62% | 3.63% | 3.80% | 3.84% |
| ▁▂▂▄▄▅██ | Return on Assets (%) | 0.80% | 0.89% | 0.87% | 0.97% | 0.96% | 1.01% | 1.18% | 1.19% |
| █▆▇▅▅▄▁▁ | Efficiency Ratio (%) | 72.7% | 70.8% | 71.9% | 70.0% | 70.3% | 69.1% | 67.1% | 66.8% |
| ██▆▃▃▂▂▁ | Cost of Funds (%) | 1.14% | 1.12% | 1.02% | 0.92% | 0.90% | 0.87% | 0.87% | 0.82% |
| ▁▂▅▆▇▇▃█ | NPA / Assets (%) | 0.22% | 0.35% | 0.53% | 0.62% | 0.70% | 0.64% | 0.40% | 0.78% |
| ▁▂▅▆▇▇▃█ | Net Charge-Off Ratio (%) | 0.52% | 0.78% | 1.16% | 1.33% | 1.55% | 1.50% | 0.90% | 1.74% |
| ▃▁▃▃▆███ | Tang. Book Value ($M) | $17 | $16 | $17 | $17 | $19 | $19 | $20 | $19 |
| ▁▆▅█▆▅▃█ | Gross Loans ($M) | $71 | $74 | $73 | $75 | $74 | $73 | $72 | $75 |
| ▅█▁▂▃█▃▅ | Total Deposits ($M) | $144 | $147 | $138 | $140 | $141 | $147 | $141 | $143 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 54% |
| C&I / Commercial | 14% |
| Agricultural | 28% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 1% |