Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.41% | +0.33 | 1.08% |
| Return on Equity (%) | ▲ | 5.94% | +1.34 | 4.60% |
| Net Interest Margin (%) | ▲ | 3.66% | +0.25 | 3.42% |
| Efficiency Ratio (%) | ▲ | 51.87% | -6.46 | 58.33% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $1 |
| Cost of Funds (%) | ▼ | 1.56% | +0.06 | 1.49% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $222 | +12.59 | $209 |
| Gross Loans ($M) | ▲ | $129 | +9.86 | $119 |
| Loan Growth YoY (%) | ▲ | 90.70% | +3.85 | 86.84% |
| Total Deposits ($M) | ▲ | $141 | +5.11 | $136 |
| Shareholders Equity ($M) | ▲ | $53 | +3.27 | $50 |
| Tang. Book Value ($M) | ▲ | $53 | +3.27 | $50 |
| TBV excl. AOCI ($M)** | ▲ | $57 | +3.36 | $54 |
| Loan / Deposit Ratio (%) | ▲ | 90.70% | +3.85 | 86.84% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.22% | +0.03 | 0.18% |
| Allowance / Loans (%) | — | 1.11% | -0.10% | 1.21% |
| Net Charge-Off Ratio (%) | ▼ | 0.37% | +0.05 | 0.32% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 3.06% | 3.11% | 3.35% | 3.42% | 3.42% | 3.45% | 3.65% | 3.66% |
| ▁▅▁▃▄███ | Return on Assets (%) | 0.93% | 1.19% | 0.96% | 1.08% | 1.17% | 1.36% | 1.42% | 1.41% |
| ██▆▅▄▅▁▁ | Efficiency Ratio (%) | 62.8% | 62.7% | 59.3% | 58.3% | 56.6% | 57.8% | 52.1% | 51.9% |
| █▄▃▂▄▁▄▆ | Cost of Funds (%) | 1.61% | 1.53% | 1.50% | 1.49% | 1.53% | 1.46% | 1.53% | 1.56% |
| ▅▅▇▁▅█▆▂ | NPA / Assets (%) | 0.26% | 0.26% | 0.30% | 0.18% | 0.26% | 0.33% | 0.29% | 0.22% |
| ▅▄▇▁▆█▆▂ | Net Charge-Off Ratio (%) | 0.47% | 0.44% | 0.52% | 0.32% | 0.48% | 0.57% | 0.49% | 0.37% |
| ▂▁▁▂▅▇██ | Tang. Book Value ($M) | $50 | $49 | $49 | $50 | $51 | $52 | $53 | $53 |
| ▁▅▄▄▁▇██ | Gross Loans ($M) | $109 | $122 | $120 | $119 | $112 | $127 | $131 | $129 |
| ▃█▇▁▁█▇▇ | Total Deposits ($M) | $138 | $142 | $141 | $136 | $135 | $143 | $141 | $141 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 54% |
| C&I / Commercial | 3% |
| Agricultural | 27% |
| Consumer | 15% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 11% |