Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.73% | +0.22 | 1.52% |
| Return on Equity (%) | ▲ | 13.36% | +1.80 | 11.56% |
| Net Interest Margin (%) | ▲ | 4.03% | +0.51 | 3.52% |
| Efficiency Ratio (%) | ▼ | 38.22% | +1.30 | 36.92% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $1 |
| Cost of Funds (%) | ▲ | 2.09% | -0.18 | 2.28% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $154 | +11.98 | $143 |
| Gross Loans ($M) | ▲ | $110 | +19.32 | $91 |
| Loan Growth YoY (%) | ▲ | 87.46% | +9.47 | 77.98% |
| Total Deposits ($M) | ▲ | $124 | +9.20 | $115 |
| Shareholders Equity ($M) | ▲ | $20 | +1.56 | $19 |
| Tang. Book Value ($M) | ▲ | $20 | +1.56 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $22 | +1.22 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 87.46% | +9.47 | 77.98% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.47% | +0.44 | 2.03% |
| Allowance / Loans (%) | — | 1.95% | 0.04% | 1.91% |
| Net Charge-Off Ratio (%) | ▼ | 3.46% | +0.28 | 3.18% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 2.92% | 2.91% | 3.37% | 3.52% | 3.50% | 3.71% | 3.91% | 4.03% |
| ▄▁█▇▅▂██ | Return on Assets (%) | 1.19% | 0.79% | 1.64% | 1.52% | 1.38% | 0.96% | 1.74% | 1.73% |
| ▄█▁▂▃▆▂▂ | Efficiency Ratio (%) | 45.4% | 61.8% | 30.8% | 36.9% | 41.2% | 50.5% | 34.7% | 38.2% |
| ▅▄█▆▇▃▁▁ | Cost of Funds (%) | 2.25% | 2.20% | 2.34% | 2.28% | 2.31% | 2.19% | 2.12% | 2.09% |
| ▂▁█▆█▄▇█ | NPA / Assets (%) | 1.25% | 1.02% | 2.50% | 2.03% | 2.42% | 1.67% | 2.19% | 2.47% |
| ▂▁█▆█▃▅▆ | Net Charge-Off Ratio (%) | 2.29% | 1.70% | 4.04% | 3.18% | 3.92% | 2.49% | 3.12% | 3.46% |
| ▁▁▂▄▅▄▆█ | Tang. Book Value ($M) | $18 | $18 | $18 | $19 | $19 | $19 | $20 | $20 |
| ▁▃▃▄▄▇██ | Gross Loans ($M) | $72 | $82 | $86 | $91 | $89 | $101 | $107 | $110 |
| ▁▂▄▄▅███ | Total Deposits ($M) | $105 | $108 | $113 | $115 | $116 | $124 | $125 | $124 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 53% |
| C&I / Commercial | 15% |
| Agricultural | 31% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 16% |