Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.35% | +0.37 | 1.98% |
| Return on Equity (%) | ▲ | 18.88% | +2.53 | 16.35% |
| Net Interest Margin (%) | ▲ | 4.38% | +0.22 | 4.16% |
| Efficiency Ratio (%) | ▲ | 44.47% | -3.83 | 48.30% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.26 | $2 |
| Cost of Funds (%) | ▲ | 1.85% | -0.13 | 1.98% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $313 | +28.43 | $285 |
| Gross Loans ($M) | ▲ | $236 | +33.68 | $202 |
| Loan Growth YoY (%) | ▲ | 90.96% | +5.80 | 85.16% |
| Total Deposits ($M) | ▲ | $257 | +21.65 | $235 |
| Shareholders Equity ($M) | ▲ | $39 | +4.24 | $35 |
| Tang. Book Value ($M) | ▲ | $39 | +4.24 | $35 |
| TBV excl. AOCI ($M)** | ▲ | $42 | +4.13 | $38 |
| Loan / Deposit Ratio (%) | ▲ | 90.96% | +5.80 | 85.16% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.82% | +0.22 | 0.60% |
| Allowance / Loans (%) | — | 0.79% | 0.03% | 0.76% |
| Net Charge-Off Ratio (%) | ▼ | 1.09% | +0.25 | 0.85% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▇▇█ | Net Interest Margin (%) | 3.85% | 3.88% | 4.04% | 4.16% | 4.21% | 4.27% | 4.31% | 4.38% |
| ▃▁▃▄▄▂██ | Return on Assets (%) | 1.90% | 1.74% | 1.93% | 1.98% | 2.01% | 1.85% | 2.32% | 2.35% |
| ▆█▅▃▄▇▁▁ | Efficiency Ratio (%) | 53.7% | 57.3% | 51.9% | 48.3% | 49.3% | 54.4% | 44.1% | 44.5% |
| █▇▅▃▄▅▃▁ | Cost of Funds (%) | 2.19% | 2.15% | 2.04% | 1.98% | 1.99% | 2.04% | 1.96% | 1.85% |
| ▁▂▄▅▂▅▆█ | NPA / Assets (%) | 0.31% | 0.42% | 0.52% | 0.60% | 0.41% | 0.61% | 0.66% | 0.82% |
| ▁▂▄▆▂▅▆█ | Net Charge-Off Ratio (%) | 0.43% | 0.58% | 0.73% | 0.85% | 0.54% | 0.82% | 0.89% | 1.09% |
| ▁▁▃▄▄▅▇█ | Tang. Book Value ($M) | $32 | $31 | $34 | $35 | $35 | $36 | $38 | $39 |
| ▁▂▂▃▆▆▇█ | Gross Loans ($M) | $183 | $192 | $196 | $202 | $217 | $221 | $226 | $236 |
| ▁▃▄▅▅▆██ | Total Deposits ($M) | $206 | $221 | $228 | $235 | $234 | $241 | $253 | $257 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 73% |
| C&I / Commercial | 8% |
| Agricultural | 12% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 12% |