Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.74% | +0.13 | 1.60% |
| Return on Equity (%) | ▲ | 13.93% | +0.10 | 13.83% |
| Net Interest Margin (%) | ▲ | 4.45% | +0.19 | 4.25% |
| Efficiency Ratio (%) | ▲ | 58.80% | -1.62 | 60.42% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.12 | $1 |
| Cost of Funds (%) | ▲ | 2.21% | -0.41 | 2.61% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $184 | +3.80 | $180 |
| Gross Loans ($M) | ▼ | $147 | -1.92 | $149 |
| Loan Growth YoY (%) | ▲ | 94.40% | +0.82 | 93.58% |
| Total Deposits ($M) | ▼ | $154 | -3.68 | $158 |
| Shareholders Equity ($M) | ▲ | $24 | +2.16 | $21 |
| Tang. Book Value ($M) | ▲ | $24 | +2.16 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 94.40% | +0.82 | 93.58% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 3.55% | +3.10 | 0.45% |
| Allowance / Loans (%) | — | 1.25% | 0.19% | 1.06% |
| Net Charge-Off Ratio (%) | ▼ | 4.44% | +3.90 | 0.55% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▅▆▇██ | Net Interest Margin (%) | 4.01% | 4.09% | 4.19% | 4.25% | 4.34% | 4.42% | 4.49% | 4.45% |
| ▁▂▆▆▇█▇█ | Return on Assets (%) | 1.32% | 1.43% | 1.59% | 1.60% | 1.68% | 1.69% | 1.66% | 1.74% |
| █▇▅█▃▁█▄ | Efficiency Ratio (%) | 60.5% | 60.0% | 59.3% | 60.4% | 58.3% | 56.8% | 60.8% | 58.8% |
| █▇▅▆▄▃▁▂ | Cost of Funds (%) | 2.89% | 2.71% | 2.52% | 2.61% | 2.41% | 2.35% | 2.05% | 2.21% |
| ▁▄▁▁▁▁▄█ | NPA / Assets (%) | 0.51% | 1.47% | 0.36% | 0.45% | 0.32% | 0.20% | 1.86% | 3.55% |
| ▁▃▁▁▁▁▅█ | Net Charge-Off Ratio (%) | 0.57% | 1.67% | 0.46% | 0.55% | 0.39% | 0.24% | 2.42% | 4.44% |
| ▁▂▃▄▅▆▇█ | Tang. Book Value ($M) | $20 | $20 | $21 | $21 | $22 | $23 | $23 | $24 |
| █▆▁▃▄▁▂▂ | Gross Loans ($M) | $158 | $155 | $145 | $149 | $150 | $146 | $147 | $147 |
| ▄▃█▆█▁▇▃ | Total Deposits ($M) | $156 | $154 | $163 | $158 | $162 | $149 | $160 | $154 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 54% |
| C&I / Commercial | 20% |
| Agricultural | 19% |
| Consumer | 2% |
| Other | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 39% |
| Brokered / Other | 34% |