Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.15% | -0.05 | 1.20% |
| Return on Equity (%) | ▼ | 10.00% | -0.21 | 10.21% |
| Net Interest Margin (%) | ▼ | 3.55% | -0.03 | 3.58% |
| Efficiency Ratio (%) | ▲ | 66.10% | -0.92 | 67.02% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.14 | $1 |
| Cost of Funds (%) | ▲ | 1.22% | -0.02 | 1.24% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $245 | +23.74 | $222 |
| Gross Loans ($M) | ▲ | $129 | +7.40 | $122 |
| Loan Growth YoY (%) | ▼ | 59.38% | -2.83 | 62.21% |
| Total Deposits ($M) | ▲ | $214 | +21.63 | $193 |
| Shareholders Equity ($M) | ▲ | $29 | +2.01 | $27 |
| Tang. Book Value ($M) | ▲ | $28 | +1.98 | $26 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +2.61 | $30 |
| Loan / Deposit Ratio (%) | ▼ | 59.38% | -2.83 | 62.21% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.36% | +1.22 | 0.15% |
| Allowance / Loans (%) | — | 1.38% | -0.08% | 1.46% |
| Net Charge-Off Ratio (%) | ▼ | 2.49% | +2.23 | 0.26% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▄▄▄▁▃ | Net Interest Margin (%) | 3.70% | 3.73% | 3.48% | 3.58% | 3.57% | 3.58% | 3.46% | 3.55% |
| ▆█▆▇▆█▁▆ | Return on Assets (%) | 1.18% | 1.22% | 1.15% | 1.20% | 1.17% | 1.25% | 0.98% | 1.15% |
| █▇▅▃█▄▆▁ | Efficiency Ratio (%) | 68.7% | 68.3% | 67.5% | 67.0% | 68.6% | 67.1% | 68.0% | 66.1% |
| ▁▃▄███▇█ | Cost of Funds (%) | 0.97% | 1.06% | 1.09% | 1.24% | 1.24% | 1.25% | 1.19% | 1.22% |
| ▂▁▁▁▁▁▁█ | NPA / Assets (%) | 0.32% | 0.12% | 0.13% | 0.15% | 0.13% | 0.27% | 0.12% | 1.36% |
| ▂▁▁▁▁▂▁█ | Net Charge-Off Ratio (%) | 0.56% | 0.21% | 0.24% | 0.26% | 0.14% | 0.44% | 0.14% | 2.49% |
| ▃▁▂▄▆█▇█ | Tang. Book Value ($M) | $26 | $24 | $25 | $26 | $27 | $28 | $27 | $28 |
| ▂▂▃▃▃▁▇█ | Gross Loans ($M) | $121 | $121 | $122 | $122 | $122 | $119 | $127 | $129 |
| ▁▁▃▃▆███ | Total Deposits ($M) | $182 | $182 | $193 | $193 | $206 | $212 | $216 | $214 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 12% |
| Agricultural | 2% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 36% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 9% |