Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.23% | +0.01 | 1.22% |
| Return on Equity (%) | ▼ | 18.31% | -5.05 | 23.36% |
| Net Interest Margin (%) | ▲ | 3.82% | +0.22 | 3.60% |
| Efficiency Ratio (%) | ▲ | 67.92% | -0.20 | 68.12% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▲ | 1.60% | -0.23 | 1.84% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $189 | +10.70 | $178 |
| Gross Loans ($M) | ▼ | $105 | -1.57 | $106 |
| Loan Growth YoY (%) | ▼ | 60.55% | -4.23 | 64.79% |
| Total Deposits ($M) | ▲ | $170 | +8.51 | $162 |
| Shareholders Equity ($M) | ▲ | $12 | +2.26 | $10 |
| Tang. Book Value ($M) | ▲ | $12 | +2.26 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +2.09 | $13 |
| Loan / Deposit Ratio (%) | ▼ | 60.55% | -4.23 | 64.79% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.74% | +0.70 | 0.05% |
| Allowance / Loans (%) | — | 1.43% | 0.14% | 1.28% |
| Net Charge-Off Ratio (%) | ▼ | 1.34% | +1.29 | 0.05% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -14.12 | 14.12% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▇▇███ | Net Interest Margin (%) | 2.91% | 3.03% | 3.44% | 3.60% | 3.68% | 3.72% | 3.74% | 3.82% |
| ▁▂▇█████ | Return on Assets (%) | 0.58% | 0.71% | 1.12% | 1.22% | 1.22% | 1.23% | 1.16% | 1.23% |
| █▇▂▁▁▁▂▁ | Efficiency Ratio (%) | 81.8% | 79.6% | 69.6% | 68.1% | 67.9% | 67.6% | 69.4% | 67.9% |
| █▇▅▄▃▂▁▁ | Cost of Funds (%) | 2.16% | 2.04% | 1.89% | 1.84% | 1.80% | 1.70% | 1.65% | 1.60% |
| ▁▃▁▁▁▁▁█ | NPA / Assets (%) | 0.04% | 0.26% | 0.04% | 0.05% | 0.05% | 0.02% | 0.00% | 0.74% |
| ▁▃▁▁▁▁▁█ | Net Charge-Off Ratio (%) | 0.05% | 0.41% | 0.05% | 0.05% | 0.00% | 0.00% | 0.00% | 1.34% |
| ▃▁▃▄▇███ | Tang. Book Value ($M) | $10 | $8 | $10 | $10 | $12 | $12 | $13 | $12 |
| ▁▅▄▆██▃▅ | Gross Loans ($M) | $100 | $105 | $104 | $106 | $109 | $108 | $102 | $105 |
| ▁▃▄▄▁▄▆█ | Total Deposits ($M) | $158 | $161 | $163 | $162 | $156 | $162 | $166 | $170 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 12% |
| Agricultural | 14% |
| Consumer | 4% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 11% |