Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.28% | +0.10 | 1.18% |
| Return on Equity (%) | ▲ | 9.43% | +0.27 | 9.16% |
| Net Interest Margin (%) | ▲ | 3.77% | +0.32 | 3.45% |
| Efficiency Ratio (%) | ▲ | 57.60% | -3.33 | 60.93% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $1 |
| Cost of Funds (%) | ▲ | 1.25% | -0.23 | 1.47% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $294 | +16.83 | $277 |
| Gross Loans ($M) | ▼ | $178 | -6.37 | $185 |
| Loan Growth YoY (%) | ▼ | 78.28% | -9.46 | 87.74% |
| Total Deposits ($M) | ▲ | $224 | +16.49 | $208 |
| Shareholders Equity ($M) | ▲ | $40 | +3.74 | $37 |
| Tang. Book Value ($M) | ▲ | $39 | +3.74 | $35 |
| TBV excl. AOCI ($M)** | ▲ | $43 | +3.86 | $39 |
| Loan / Deposit Ratio (%) | ▼ | 78.28% | -9.46 | 87.74% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.22% | +0.01 | 0.21% |
| Allowance / Loans (%) | — | 1.56% | 0.25% | 1.30% |
| Net Charge-Off Ratio (%) | ▼ | 0.36% | +0.04 | 0.32% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▆▆▇██ | Net Interest Margin (%) | 2.86% | 2.98% | 3.43% | 3.45% | 3.47% | 3.57% | 3.74% | 3.77% |
| ▁▁▆▆▅▆██ | Return on Assets (%) | 0.93% | 0.96% | 1.18% | 1.18% | 1.15% | 1.18% | 1.30% | 1.28% |
| █▇█▅▄▂▂▁ | Efficiency Ratio (%) | 63.3% | 62.3% | 62.8% | 60.9% | 59.8% | 58.4% | 58.8% | 57.6% |
| █▅▂▃▄▂▂▁ | Cost of Funds (%) | 1.88% | 1.58% | 1.39% | 1.47% | 1.56% | 1.40% | 1.36% | 1.25% |
| ▃█▃▁▂▂█▁ | NPA / Assets (%) | 0.26% | 0.35% | 0.25% | 0.21% | 0.24% | 0.23% | 0.33% | 0.22% |
| ▅█▃▁▂▂█▂ | Net Charge-Off Ratio (%) | 0.43% | 0.55% | 0.38% | 0.32% | 0.37% | 0.36% | 0.53% | 0.36% |
| ▂▁▂▄▆▆▇█ | Tang. Book Value ($M) | $34 | $33 | $34 | $35 | $37 | $37 | $38 | $39 |
| ▁▁▁▆█▇▅▂ | Gross Loans ($M) | $175 | $176 | $176 | $185 | $188 | $186 | $183 | $178 |
| █▂▁▁█▆▅▇ | Total Deposits ($M) | $226 | $211 | $206 | $208 | $228 | $221 | $218 | $224 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 15% |
| Agricultural | 2% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 5% |