Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.11% | -0.44 | 2.56% |
| Return on Equity (%) | ▼ | 14.95% | -5.07 | 20.02% |
| Net Interest Margin (%) | ▼ | 5.09% | -0.04 | 5.13% |
| Efficiency Ratio (%) | ▼ | 43.58% | +10.17 | 33.41% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.09 | $1 |
| Cost of Funds (%) | ▲ | 1.09% | -0.05 | 1.14% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $107 | +2.43 | $104 |
| Gross Loans ($M) | ▲ | $78 | +8.24 | $70 |
| Loan Growth YoY (%) | ▲ | 84.61% | +8.11 | 76.50% |
| Total Deposits ($M) | ▲ | $91 | +1.04 | $90 |
| Shareholders Equity ($M) | ▲ | $15 | +1.43 | $14 |
| Tang. Book Value ($M) | ▲ | $15 | +1.43 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 84.61% | +8.11 | 76.50% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.06% | +0.96 | 0.10% |
| Allowance / Loans (%) | — | 1.34% | -0.06% | 1.39% |
| Net Charge-Off Ratio (%) | ▼ | 1.45% | +1.30 | 0.15% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▃▆█▆▁▄ | Net Interest Margin (%) | 5.20% | 5.16% | 5.06% | 5.13% | 5.20% | 5.14% | 5.00% | 5.09% |
| ██▆███▁▂ | Return on Assets (%) | 2.64% | 2.60% | 2.41% | 2.56% | 2.56% | 2.57% | 1.99% | 2.11% |
| ▁▁▂▁▁▂█▆ | Efficiency Ratio (%) | 31.9% | 32.5% | 35.4% | 33.4% | 33.8% | 34.3% | 47.8% | 43.6% |
| █▆▃▂▃▁▁▁ | Cost of Funds (%) | 1.36% | 1.27% | 1.19% | 1.14% | 1.16% | 1.10% | 1.10% | 1.09% |
| ▁▄▁▁▁▁▁█ | NPA / Assets (%) | 0.07% | 0.46% | 0.01% | 0.10% | 0.08% | 0.03% | 0.01% | 1.06% |
| ▁▄▁▁▁▁▁█ | Net Charge-Off Ratio (%) | 0.11% | 0.67% | 0.01% | 0.15% | 0.11% | 0.04% | 0.02% | 1.45% |
| ▁▂▃▄▆▇██ | Tang. Book Value ($M) | $13 | $13 | $13 | $14 | $14 | $15 | $15 | $15 |
| ▁▄▂▃▁▅▄█ | Gross Loans ($M) | $67 | $71 | $68 | $70 | $66 | $72 | $72 | $78 |
| ▁▆█▇▁▇▆█ | Total Deposits ($M) | $84 | $89 | $91 | $90 | $84 | $90 | $88 | $91 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 47% |
| C&I / Commercial | 9% |
| Agricultural | 40% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 8% |