Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.21% | +0.10 | 2.11% |
| Return on Equity (%) | ▼ | 21.49% | -0.81 | 22.30% |
| Net Interest Margin (%) | ▲ | 4.14% | +0.09 | 4.06% |
| Efficiency Ratio (%) | ▲ | 46.22% | -1.24 | 47.46% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.09 | $1 |
| Cost of Funds (%) | ▲ | 1.60% | -0.20 | 1.80% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $159 | +6.91 | $152 |
| Gross Loans ($M) | ▲ | $102 | +9.46 | $93 |
| Loan Growth YoY (%) | ▲ | 72.16% | +4.03 | 68.13% |
| Total Deposits ($M) | ▲ | $140 | +5.43 | $135 |
| Shareholders Equity ($M) | ▲ | $17 | +2.38 | $14 |
| Tang. Book Value ($M) | ▲ | $17 | +2.38 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +2.45 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 72.16% | +4.03 | 68.13% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.49% | -0.08 | 1.58% |
| Allowance / Loans (%) | — | 1.07% | -0.01% | 1.08% |
| Net Charge-Off Ratio (%) | ▲ | 2.32% | -0.26 | 2.58% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▁▂▆██▅█ | Net Interest Margin (%) | 3.97% | 3.82% | 3.89% | 4.06% | 4.18% | 4.15% | 4.05% | 4.14% |
| ▅▁█▇█▆██ | Return on Assets (%) | 2.01% | 1.77% | 2.19% | 2.11% | 2.21% | 2.07% | 2.22% | 2.21% |
| ▅█▁▄▃▅▁▃ | Efficiency Ratio (%) | 49.8% | 54.2% | 43.6% | 47.5% | 46.8% | 49.9% | 43.2% | 46.2% |
| █▆▄▃▄▁▁▁ | Cost of Funds (%) | 2.27% | 2.05% | 1.90% | 1.80% | 1.88% | 1.64% | 1.68% | 1.60% |
| ▁███▇▆▆▇ | NPA / Assets (%) | 0.36% | 1.70% | 1.70% | 1.58% | 1.51% | 1.21% | 1.30% | 1.49% |
| ▁██▇▇▆▆▆ | Net Charge-Off Ratio (%) | 0.58% | 2.90% | 2.89% | 2.58% | 2.35% | 2.12% | 2.12% | 2.32% |
| ▂▁▁▁▆█▅█ | Tang. Book Value ($M) | $15 | $14 | $14 | $14 | $16 | $17 | $16 | $17 |
| ▁▁▁▄▅▅▅█ | Gross Loans ($M) | $88 | $87 | $87 | $93 | $97 | $96 | $96 | $102 |
| ▁▃▃▄▃█▅▆ | Total Deposits ($M) | $125 | $132 | $132 | $135 | $133 | $148 | $139 | $140 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 8% |
| Agricultural | 12% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 9% |