Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.82% | +0.15 | 1.66% |
| Return on Equity (%) | ▼ | 16.03% | -0.43 | 16.46% |
| Net Interest Margin (%) | ▲ | 4.75% | +0.14 | 4.61% |
| Efficiency Ratio (%) | ▲ | 52.83% | -1.59 | 54.42% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.17 | $2 |
| Cost of Funds (%) | ▲ | 0.81% | -0.06 | 0.87% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $295 | +8.83 | $286 |
| Gross Loans ($M) | ▼ | $175 | -4.82 | $180 |
| Loan Growth YoY (%) | ▼ | 66.57% | -3.18 | 69.75% |
| Total Deposits ($M) | ▲ | $260 | +4.85 | $255 |
| Shareholders Equity ($M) | ▲ | $35 | +4.00 | $31 |
| Tang. Book Value ($M) | ▲ | $35 | +4.00 | $31 |
| TBV excl. AOCI ($M)** | ▲ | $39 | +3.86 | $35 |
| Loan / Deposit Ratio (%) | ▼ | 66.57% | -3.18 | 69.75% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.22 | 0.22% |
| Allowance / Loans (%) | — | 1.01% | 0.06% | 0.95% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.35 | 0.35% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 22.31% | +3.19 | 19.12% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▆████ | Net Interest Margin (%) | 4.24% | 4.34% | 4.52% | 4.61% | 4.69% | 4.69% | 4.69% | 4.75% |
| ▂▁▃▅▇▅██ | Return on Assets (%) | 1.55% | 1.48% | 1.60% | 1.66% | 1.75% | 1.65% | 1.78% | 1.82% |
| ▃█▄▄▁▆▂▁ | Efficiency Ratio (%) | 54.1% | 57.0% | 54.4% | 54.4% | 52.9% | 55.7% | 53.4% | 52.8% |
| █▆▅▄▂▁▂▂ | Cost of Funds (%) | 0.97% | 0.91% | 0.90% | 0.87% | 0.81% | 0.78% | 0.82% | 0.81% |
| ▂▁▁███▁▁ | NPA / Assets (%) | 0.05% | 0.00% | 0.00% | 0.22% | 0.22% | 0.22% | 0.00% | 0.00% |
| ▂▁▁█▁▁▁▁ | Net Charge-Off Ratio (%) | 0.09% | 0.00% | 0.00% | 0.35% | 0.00% | 0.02% | 0.00% | 0.00% |
| ▁▁▃▄▆▇██ | Tang. Book Value ($M) | $28 | $28 | $29 | $31 | $32 | $33 | $34 | $35 |
| ▅▆▁▅▇█▃▂ | Gross Loans ($M) | $180 | $181 | $172 | $180 | $183 | $186 | $176 | $175 |
| ▁▅▅▁▁█▅▄ | Total Deposits ($M) | $253 | $262 | $262 | $255 | $253 | $268 | $261 | $260 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 8% |
| Agricultural | 6% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 38% |
| Interest-Bearing (core) | 51% |
| Brokered / Other | 12% |