Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.53% | +0.44 | 1.09% |
| Return on Equity (%) | ▲ | 14.06% | +4.27 | 9.79% |
| Net Interest Margin (%) | ▲ | 3.99% | +0.11 | 3.88% |
| Efficiency Ratio (%) | ▲ | 59.10% | -3.74 | 62.83% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.13 | $0 |
| Cost of Funds (%) | ▲ | 2.43% | -0.16 | 2.59% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $156 | +12.80 | $144 |
| Gross Loans ($M) | ▲ | $128 | +3.00 | $125 |
| Loan Growth YoY (%) | ▼ | 102.28% | -7.99 | 110.27% |
| Total Deposits ($M) | ▲ | $124 | +11.59 | $112 |
| Shareholders Equity ($M) | ▲ | $17 | +1.19 | $16 |
| Tang. Book Value ($M) | ▲ | $13 | +1.28 | $11 |
| Loan / Deposit Ratio (%) | ▼ | 102.28% | -7.99 | 110.27% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.68% | +0.63 | 0.05% |
| Allowance / Loans (%) | — | 1.01% | 0.07% | 0.94% |
| Net Charge-Off Ratio (%) | ▼ | 0.84% | +0.78 | 0.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 10.29% | +0.58 | 9.72% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▆██▇█ | Net Interest Margin (%) | 3.68% | 3.67% | 3.82% | 3.88% | 3.96% | 3.98% | 3.93% | 3.99% |
| ▃▁▁▂▁▁▆█ | Return on Assets (%) | 1.17% | 1.03% | 1.05% | 1.09% | 1.07% | 1.07% | 1.40% | 1.53% |
| ▅█▅▅▄▆▂▁ | Efficiency Ratio (%) | 63.4% | 66.2% | 63.1% | 62.8% | 62.2% | 63.8% | 60.5% | 59.1% |
| █▇▅▄▅▄▂▁ | Cost of Funds (%) | 2.78% | 2.74% | 2.64% | 2.59% | 2.63% | 2.60% | 2.48% | 2.43% |
| ▄▁▁▁█▇▇▇ | NPA / Assets (%) | 0.40% | 0.04% | 0.01% | 0.05% | 0.86% | 0.74% | 0.71% | 0.68% |
| ▄▁▁▁█▇▇▇ | Net Charge-Off Ratio (%) | 0.48% | 0.04% | 0.01% | 0.06% | 0.99% | 0.87% | 0.82% | 0.84% |
| ▁▁▁▂▃▅▆█ | Tang. Book Value ($M) | $11 | $11 | $11 | $11 | $11 | $12 | $12 | $13 |
| ▁▂▄▆▇▇██ | Gross Loans ($M) | $110 | $113 | $120 | $125 | $126 | $127 | $130 | $128 |
| ▁▂▄▄▅▆▇█ | Total Deposits ($M) | $101 | $104 | $110 | $112 | $114 | $116 | $119 | $124 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 65% |
| C&I / Commercial | 14% |
| Agricultural | 19% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 6% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 22% |