Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.42% | -0.07 | 1.49% |
| Return on Equity (%) | ▼ | 11.59% | -1.45 | 13.04% |
| Net Interest Margin (%) | ▼ | 4.75% | -0.25 | 5.01% |
| Efficiency Ratio (%) | ▼ | 58.16% | +1.86 | 56.30% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.06 | $1 |
| Cost of Funds (%) | ▲ | 1.33% | -0.01 | 1.35% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $286 | +21.25 | $265 |
| Gross Loans ($M) | ▲ | $211 | +7.51 | $204 |
| Loan Growth YoY (%) | ▼ | 83.15% | -3.06 | 86.21% |
| Total Deposits ($M) | ▲ | $247 | +17.21 | $230 |
| Shareholders Equity ($M) | ▲ | $35 | +3.72 | $31 |
| Tang. Book Value ($M) | ▲ | $35 | +3.72 | $31 |
| TBV excl. AOCI ($M)** | ▲ | $36 | +4.10 | $32 |
| Loan / Deposit Ratio (%) | ▼ | 83.15% | -3.06 | 86.21% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.81% | +0.35 | 0.45% |
| Allowance / Loans (%) | — | 2.67% | 0.02% | 2.65% |
| Net Charge-Off Ratio (%) | ▼ | 1.09% | +0.50 | 0.59% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▇▅▆██▃▁ | Net Interest Margin (%) | 4.99% | 5.03% | 4.97% | 5.01% | 5.08% | 5.10% | 4.86% | 4.75% |
| ▁▆█▆▆█▆▅ | Return on Assets (%) | 1.20% | 1.49% | 1.60% | 1.49% | 1.50% | 1.62% | 1.48% | 1.42% |
| █▁▂▃▂▄▆▆ | Efficiency Ratio (%) | 60.0% | 55.0% | 55.8% | 56.3% | 56.0% | 57.0% | 58.2% | 58.2% |
| ▇█▄▅▁▂▂▄ | Cost of Funds (%) | 1.42% | 1.47% | 1.33% | 1.35% | 1.22% | 1.26% | 1.27% | 1.33% |
| ▆▅▅▄▂▁▇█ | NPA / Assets (%) | 0.61% | 0.50% | 0.48% | 0.45% | 0.28% | 0.14% | 0.66% | 0.81% |
| ▅▄▄▄▂▁▇█ | Net Charge-Off Ratio (%) | 0.70% | 0.59% | 0.56% | 0.59% | 0.37% | 0.18% | 0.89% | 1.09% |
| ▁▂▃▄▅▇▇█ | Tang. Book Value ($M) | $28 | $29 | $30 | $31 | $32 | $33 | $34 | $35 |
| ▁▂▂▃▆▄▅█ | Gross Loans ($M) | $200 | $201 | $201 | $204 | $207 | $205 | $206 | $211 |
| ▁▃▃▂▃▅▆█ | Total Deposits ($M) | $227 | $234 | $234 | $230 | $233 | $237 | $241 | $247 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 75% |
| C&I / Commercial | 19% |
| Agricultural | 2% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 9% |