Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.47% | +0.07 | 1.40% |
| Return on Equity (%) | ▲ | 8.86% | +0.07 | 8.79% |
| Net Interest Margin (%) | ▲ | 3.85% | +0.06 | 3.78% |
| Efficiency Ratio (%) | ▲ | 57.31% | -1.61 | 58.92% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.09 | $1 |
| Cost of Funds (%) | ▲ | 1.62% | -0.07 | 1.69% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $138 | +10.88 | $127 |
| Gross Loans ($M) | ▼ | $77 | -0.02 | $77 |
| Loan Growth YoY (%) | ▼ | 68.66% | -6.27 | 74.93% |
| Total Deposits ($M) | ▲ | $112 | +9.37 | $103 |
| Shareholders Equity ($M) | ▲ | $22 | +1.36 | $21 |
| Tang. Book Value ($M) | ▲ | $22 | +1.36 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +1.91 | $22 |
| Loan / Deposit Ratio (%) | ▼ | 68.66% | -6.27 | 74.93% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.14% | -1.58 | 1.72% |
| Allowance / Loans (%) | — | 0.73% | -0.02% | 0.75% |
| Net Charge-Off Ratio (%) | ▲ | 0.25% | -2.57 | 2.82% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▆██▅█ | Net Interest Margin (%) | 3.59% | 3.57% | 3.66% | 3.78% | 3.88% | 3.86% | 3.75% | 3.85% |
| ▂▁▃▇█▇▁█ | Return on Assets (%) | 1.22% | 1.15% | 1.27% | 1.40% | 1.47% | 1.40% | 1.18% | 1.47% |
| ▅█▆▂▁▄▇▁ | Efficiency Ratio (%) | 60.9% | 63.8% | 61.4% | 58.9% | 58.0% | 60.1% | 62.4% | 57.3% |
| ▆█▅▃▃▄▃▁ | Cost of Funds (%) | 1.75% | 1.81% | 1.73% | 1.69% | 1.68% | 1.70% | 1.67% | 1.62% |
| ▁▂███▁▁▁ | NPA / Assets (%) | 0.15% | 0.42% | 1.86% | 1.72% | 1.69% | 0.04% | 0.20% | 0.14% |
| ▁▂██▇▁▁▁ | Net Charge-Off Ratio (%) | 0.25% | 0.71% | 3.19% | 2.82% | 2.79% | 0.08% | 0.37% | 0.25% |
| ▅▁▃▅██▇█ | Tang. Book Value ($M) | $20 | $19 | $20 | $20 | $21 | $21 | $21 | $22 |
| ▄▄▅█▆▁▃█ | Gross Loans ($M) | $73 | $74 | $74 | $77 | $75 | $70 | $73 | $77 |
| ▁▃▄▃▁▂██ | Total Deposits ($M) | $98 | $102 | $104 | $103 | $98 | $100 | $111 | $112 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 38% |
| C&I / Commercial | 16% |
| Agricultural | 43% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 14% |