Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.42% | +0.17 | 1.25% |
| Return on Equity (%) | ▲ | 15.15% | +0.92 | 14.23% |
| Net Interest Margin (%) | ▲ | 4.50% | +0.23 | 4.27% |
| Efficiency Ratio (%) | ▲ | 66.55% | -3.13 | 69.68% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.32 | $1 |
| Cost of Funds (%) | ▲ | 1.38% | -0.14 | 1.52% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $371 | +12.95 | $358 |
| Gross Loans ($M) | ▲ | $254 | +29.31 | $225 |
| Loan Growth YoY (%) | ▲ | 76.02% | +6.60 | 69.42% |
| Total Deposits ($M) | ▲ | $330 | +10.62 | $319 |
| Shareholders Equity ($M) | ▲ | $35 | +3.18 | $31 |
| Tang. Book Value ($M) | ▲ | $34 | +3.28 | $30 |
| TBV excl. AOCI ($M)** | ▲ | $37 | +3.03 | $34 |
| Loan / Deposit Ratio (%) | ▲ | 76.02% | +6.60 | 69.42% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.16% | -0.10 | 0.25% |
| Allowance / Loans (%) | — | 1.27% | -0.09% | 1.36% |
| Net Charge-Off Ratio (%) | ▲ | 0.23% | -0.17 | 0.41% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▇▇▁▁▁▃▄█ | Net Interest Margin (%) | 4.46% | 4.46% | 4.29% | 4.27% | 4.29% | 4.33% | 4.37% | 4.50% |
| █▄▁▃▅▅▂█ | Return on Assets (%) | 1.41% | 1.30% | 1.18% | 1.25% | 1.33% | 1.32% | 1.21% | 1.42% |
| ▁▅█▆▄▅▅▁ | Efficiency Ratio (%) | 66.4% | 68.9% | 70.9% | 69.7% | 68.5% | 68.8% | 69.2% | 66.5% |
| █▇▄▆█▅▂▁ | Cost of Funds (%) | 1.56% | 1.54% | 1.46% | 1.52% | 1.57% | 1.47% | 1.40% | 1.38% |
| ▆▄▆█▄▁▁▅ | NPA / Assets (%) | 0.20% | 0.14% | 0.18% | 0.25% | 0.13% | 0.04% | 0.05% | 0.16% |
| ▆▄▆█▄▁▁▅ | Net Charge-Off Ratio (%) | 0.30% | 0.21% | 0.29% | 0.41% | 0.20% | 0.06% | 0.07% | 0.23% |
| ▃▁▂▃▆▇▆█ | Tang. Book Value ($M) | $30 | $29 | $30 | $30 | $32 | $33 | $32 | $34 |
| ▁▂▁▁▁▆▆█ | Gross Loans ($M) | $225 | $231 | $228 | $225 | $225 | $243 | $243 | $254 |
| ▃▁▆▆▄▅▇█ | Total Deposits ($M) | $303 | $292 | $316 | $319 | $308 | $311 | $321 | $330 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 12% |
| Agricultural | 15% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 82% |
| Brokered / Other | 1% |