Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.26% | +0.64 | 1.62% |
| Return on Equity (%) | ▲ | 24.50% | +6.30 | 18.20% |
| Net Interest Margin (%) | ▲ | 4.43% | +0.61 | 3.82% |
| Efficiency Ratio (%) | ▲ | 47.65% | -11.24 | 58.89% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.52 | $1 |
| Cost of Funds (%) | ▲ | 1.60% | -0.08 | 1.68% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $266 | +29.33 | $237 |
| Gross Loans ($M) | ▲ | $195 | +11.80 | $183 |
| Loan Growth YoY (%) | ▼ | 88.87% | -5.29 | 94.16% |
| Total Deposits ($M) | ▲ | $216 | +24.83 | $192 |
| Shareholders Equity ($M) | ▲ | $23 | +1.37 | $21 |
| Tang. Book Value ($M) | ▲ | $23 | +1.37 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +2.06 | $23 |
| Loan / Deposit Ratio (%) | ▼ | 88.87% | -5.29 | 94.16% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.42% | +0.13 | 0.29% |
| Allowance / Loans (%) | — | 1.19% | -0.15% | 1.33% |
| Net Charge-Off Ratio (%) | ▼ | 0.58% | +0.20 | 0.37% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆██ | Net Interest Margin (%) | 3.00% | 3.15% | 3.69% | 3.82% | 3.95% | 4.04% | 4.34% | 4.43% |
| ▁▁▄▅▅▆██ | Return on Assets (%) | 0.81% | 0.89% | 1.60% | 1.62% | 1.81% | 1.92% | 2.42% | 2.26% |
| ██▅▅▄▃▁▁ | Efficiency Ratio (%) | 71.8% | 70.5% | 58.6% | 58.9% | 55.3% | 53.7% | 44.6% | 47.6% |
| █▄▂▃▄▂▂▁ | Cost of Funds (%) | 1.87% | 1.72% | 1.65% | 1.68% | 1.73% | 1.65% | 1.64% | 1.60% |
| ▁▄▄▅▅▆█▇ | NPA / Assets (%) | 0.06% | 0.22% | 0.22% | 0.29% | 0.29% | 0.35% | 0.48% | 0.42% |
| ▁▄▄▅▅▆██ | Net Charge-Off Ratio (%) | 0.06% | 0.28% | 0.28% | 0.37% | 0.37% | 0.46% | 0.60% | 0.58% |
| ▁▁▃▃▅██▅ | Tang. Book Value ($M) | $19 | $20 | $21 | $21 | $23 | $24 | $25 | $23 |
| ▁▂▃▅▆██▇ | Gross Loans ($M) | $159 | $168 | $174 | $183 | $189 | $198 | $203 | $195 |
| ▁▁▂▃▃▇▅█ | Total Deposits ($M) | $183 | $184 | $190 | $192 | $192 | $210 | $203 | $216 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 5% |
| Agricultural | 7% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 86% |
| Brokered / Other | 4% |