Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | — | 2.89% | 0.00 | 2.89% |
| Return on Equity (%) | ▼ | 16.56% | -0.39 | 16.95% |
| Net Interest Margin (%) | ▼ | 4.44% | -0.08 | 4.52% |
| Efficiency Ratio (%) | ▲ | 36.11% | -1.50 | 37.62% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▲ | 0.99% | -0.10 | 1.09% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $139 | +9.79 | $129 |
| Gross Loans ($M) | ▲ | $87 | +6.12 | $81 |
| Loan Growth YoY (%) | ▲ | 75.37% | +0.42 | 74.95% |
| Total Deposits ($M) | ▲ | $114 | +7.53 | $107 |
| Shareholders Equity ($M) | ▲ | $24 | +2.27 | $22 |
| Tang. Book Value ($M) | ▲ | $24 | +2.27 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +2.57 | $23 |
| Loan / Deposit Ratio (%) | ▲ | 75.37% | +0.42 | 74.95% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.01% | -0.32 | 0.33% |
| Allowance / Loans (%) | — | 0.81% | -0.06% | 0.86% |
| Net Charge-Off Ratio (%) | ▲ | 0.02% | -0.51 | 0.53% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 28.11% | +0.21 | 27.91% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▃▁▄▃█▁▂ | Net Interest Margin (%) | 4.45% | 4.48% | 4.43% | 4.52% | 4.49% | 4.63% | 4.41% | 4.44% |
| ▅▁▄▇██▇▇ | Return on Assets (%) | 2.82% | 2.68% | 2.78% | 2.89% | 2.93% | 2.92% | 2.88% | 2.89% |
| ▃█▄▃▁▄▁▁ | Efficiency Ratio (%) | 38.2% | 41.9% | 38.9% | 37.6% | 36.3% | 38.4% | 36.0% | 36.1% |
| ██▇▄▃▄▂▁ | Cost of Funds (%) | 1.21% | 1.22% | 1.17% | 1.09% | 1.08% | 1.08% | 1.03% | 0.99% |
| ███▇▇▂▁▁ | NPA / Assets (%) | 0.38% | 0.37% | 0.35% | 0.33% | 0.31% | 0.06% | 0.00% | 0.01% |
| ████▇▂▁▁ | Net Charge-Off Ratio (%) | 0.60% | 0.56% | 0.55% | 0.53% | 0.50% | 0.10% | 0.00% | 0.02% |
| ▁▂▂▄▅▇██ | Tang. Book Value ($M) | $21 | $21 | $21 | $22 | $23 | $24 | $24 | $24 |
| ▁▂▃▃▅▅▆█ | Gross Loans ($M) | $78 | $80 | $80 | $81 | $83 | $83 | $84 | $87 |
| ▁▁▃▄▅▆██ | Total Deposits ($M) | $102 | $101 | $106 | $107 | $109 | $111 | $114 | $114 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 33% |
| C&I / Commercial | 62% |
| Agricultural | 2% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 36% |
| Interest-Bearing (core) | 52% |
| Brokered / Other | 13% |