Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.01% | -0.01 | 1.02% |
| Return on Equity (%) | ▼ | 14.17% | -2.55 | 16.72% |
| Net Interest Margin (%) | ▼ | 3.57% | -0.01 | 3.58% |
| Efficiency Ratio (%) | ▼ | 65.97% | +0.56 | 65.42% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.02 | $1 |
| Cost of Funds (%) | ▲ | 1.29% | -0.01 | 1.30% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $340 | +15.13 | $325 |
| Gross Loans ($M) | ▲ | $179 | +8.51 | $170 |
| Loan Growth YoY (%) | ▲ | 56.63% | +0.84 | 55.79% |
| Total Deposits ($M) | ▲ | $312 | +10.47 | $302 |
| Shareholders Equity ($M) | ▲ | $26 | +4.79 | $21 |
| Tang. Book Value ($M) | ▲ | $26 | +4.79 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +4.90 | $27 |
| Loan / Deposit Ratio (%) | ▲ | 56.63% | +0.84 | 55.79% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.14% | -0.05 | 0.19% |
| Allowance / Loans (%) | — | 1.27% | -0.04% | 1.30% |
| Net Charge-Off Ratio (%) | ▼ | 0.26% | +0.00 | 0.26% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃█▇▇▄█ | Net Interest Margin (%) | 3.44% | 3.46% | 3.49% | 3.58% | 3.56% | 3.55% | 3.51% | 3.57% |
| ▂▁▇▇█▅▇▆ | Return on Assets (%) | 0.93% | 0.91% | 1.02% | 1.02% | 1.04% | 0.99% | 1.02% | 1.01% |
| ▇█▁▂▁▂▂▃ | Efficiency Ratio (%) | 68.6% | 69.6% | 64.6% | 65.4% | 64.6% | 65.3% | 65.2% | 66.0% |
| ▆▄▂▃█▄▁▃ | Cost of Funds (%) | 1.35% | 1.32% | 1.29% | 1.30% | 1.40% | 1.32% | 1.26% | 1.29% |
| ▁▂▂▅█▅▄▃ | NPA / Assets (%) | 0.04% | 0.10% | 0.10% | 0.19% | 0.32% | 0.21% | 0.15% | 0.14% |
| ▁▃▃▄█▅▃▄ | Net Charge-Off Ratio (%) | 0.07% | 0.21% | 0.20% | 0.26% | 0.51% | 0.32% | 0.21% | 0.26% |
| ▃▁▂▃▆▆▆█ | Tang. Book Value ($M) | $21 | $19 | $20 | $21 | $24 | $23 | $24 | $26 |
| ▁▁▁▄▅▄▅█ | Gross Loans ($M) | $164 | $162 | $162 | $170 | $172 | $169 | $172 | $179 |
| ▁▃▅▃▄▆█▆ | Total Deposits ($M) | $293 | $301 | $308 | $302 | $304 | $311 | $319 | $312 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 57% |
| C&I / Commercial | 30% |
| Agricultural | 4% |
| Consumer | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 15% |