Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.66% | +0.31 | 1.35% |
| Return on Equity (%) | ▲ | 14.16% | +2.86 | 11.30% |
| Net Interest Margin (%) | ▲ | 3.89% | +0.46 | 3.42% |
| Efficiency Ratio (%) | ▲ | 44.27% | -7.90 | 52.17% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.79 | $2 |
| Cost of Funds (%) | ▲ | 2.14% | -0.17 | 2.30% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $465 | +47.34 | $418 |
| Gross Loans ($M) | ▲ | $394 | +42.83 | $351 |
| Loan Growth YoY (%) | ▲ | 108.08% | +4.45 | 103.62% |
| Total Deposits ($M) | ▲ | $360 | +25.77 | $334 |
| Shareholders Equity ($M) | ▲ | $55 | +5.05 | $49 |
| Tang. Book Value ($M) | ▲ | $55 | +5.05 | $49 |
| Loan / Deposit Ratio (%) | ▲ | 108.08% | +4.45 | 103.62% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.64% | -0.40 | 1.04% |
| Allowance / Loans (%) | — | 1.28% | -0.12% | 1.40% |
| Net Charge-Off Ratio (%) | ▲ | 0.76% | -0.48 | 1.24% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▄▅▇█ | Net Interest Margin (%) | 3.34% | 3.34% | 3.29% | 3.42% | 3.55% | 3.60% | 3.79% | 3.89% |
| ▁▁▅▃▅▄█▇ | Return on Assets (%) | 1.14% | 1.18% | 1.50% | 1.35% | 1.46% | 1.43% | 1.74% | 1.66% |
| ██▅▅▄▄▁▁ | Efficiency Ratio (%) | 58.1% | 57.2% | 51.8% | 52.2% | 49.7% | 49.4% | 43.8% | 44.3% |
| ██▅▆▅▅▁▁ | Cost of Funds (%) | 2.37% | 2.38% | 2.28% | 2.30% | 2.28% | 2.26% | 2.15% | 2.14% |
| █▇█▅▂▄▁▁ | NPA / Assets (%) | 1.36% | 1.27% | 1.44% | 1.04% | 0.71% | 1.00% | 0.60% | 0.64% |
| ▇▇█▅▂▄▁▁ | Net Charge-Off Ratio (%) | 1.60% | 1.52% | 1.73% | 1.24% | 0.85% | 1.20% | 0.71% | 0.76% |
| ▁▁▂▃▅▅▇█ | Tang. Book Value ($M) | $47 | $47 | $49 | $49 | $52 | $52 | $54 | $55 |
| ▁▂▃▄▅▆▇█ | Gross Loans ($M) | $314 | $327 | $339 | $351 | $358 | $368 | $382 | $394 |
| ▁▂▃▄▅▆██ | Total Deposits ($M) | $311 | $319 | $329 | $334 | $335 | $345 | $357 | $360 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 24% |
| Agricultural | 2% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 14% |