Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.41% | +0.07 | 1.34% |
| Return on Equity (%) | ▼ | 16.81% | -1.53 | 18.34% |
| Net Interest Margin (%) | ▲ | 3.90% | +0.11 | 3.80% |
| Efficiency Ratio (%) | ▲ | 63.09% | -0.54 | 63.63% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.16 | $1 |
| Cost of Funds (%) | ▲ | 1.43% | -0.03 | 1.46% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $287 | +22.87 | $264 |
| Gross Loans ($M) | ▲ | $163 | +0.90 | $162 |
| Loan Growth YoY (%) | ▼ | 62.98% | -5.34 | 68.32% |
| Total Deposits ($M) | ▲ | $253 | +20.91 | $232 |
| Shareholders Equity ($M) | ▲ | $24 | +3.82 | $20 |
| Tang. Book Value ($M) | ▲ | $24 | +3.82 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +4.13 | $23 |
| Loan / Deposit Ratio (%) | ▼ | 62.98% | -5.34 | 68.32% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.20% | +0.19 | 0.01% |
| Allowance / Loans (%) | — | 2.13% | 0.05% | 2.08% |
| Net Charge-Off Ratio (%) | ▼ | 0.35% | +0.33 | 0.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 17.25% | +0.99 | 16.27% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▇▇▇▇█ | Net Interest Margin (%) | 3.44% | 3.51% | 3.73% | 3.80% | 3.82% | 3.84% | 3.80% | 3.90% |
| ▁▃▆▇▇█▆█ | Return on Assets (%) | 1.05% | 1.15% | 1.31% | 1.34% | 1.35% | 1.39% | 1.31% | 1.41% |
| █▅▂▂▂▁▃▁ | Efficiency Ratio (%) | 68.3% | 66.0% | 63.7% | 63.6% | 63.5% | 62.8% | 64.5% | 63.1% |
| ██▄▄▃▂▁▃ | Cost of Funds (%) | 1.55% | 1.53% | 1.45% | 1.46% | 1.43% | 1.42% | 1.38% | 1.43% |
| ▁▁▁▁▁▁▁█ | NPA / Assets (%) | 0.02% | 0.01% | 0.01% | 0.01% | 0.01% | 0.02% | 0.01% | 0.20% |
| ▁▁▁▁▁▁▁█ | Net Charge-Off Ratio (%) | 0.03% | 0.02% | 0.02% | 0.02% | 0.02% | 0.03% | 0.01% | 0.35% |
| ▃▁▃▃▆▇██ | Tang. Book Value ($M) | $20 | $18 | $20 | $20 | $22 | $23 | $23 | $24 |
| █▇▄▁▄▇▇▁ | Gross Loans ($M) | $169 | $168 | $165 | $162 | $165 | $168 | $168 | $163 |
| ▁▂▆▃▄▅▇█ | Total Deposits ($M) | $222 | $229 | $243 | $232 | $234 | $240 | $246 | $253 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 5% |
| Agricultural | 11% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 7% |