Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.85% | +0.32 | 1.53% |
| Return on Equity (%) | ▲ | 21.37% | +1.86 | 19.51% |
| Net Interest Margin (%) | ▲ | 4.40% | +0.17 | 4.24% |
| Efficiency Ratio (%) | ▲ | 54.70% | -5.53 | 60.23% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.25 | $1 |
| Cost of Funds (%) | ▲ | 1.37% | -0.13 | 1.49% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $207 | +2.18 | $204 |
| Gross Loans ($M) | ▼ | $132 | -2.94 | $135 |
| Loan Growth YoY (%) | ▼ | 69.37% | -3.76 | 73.13% |
| Total Deposits ($M) | ▲ | $188 | +5.61 | $182 |
| Shareholders Equity ($M) | ▲ | $18 | +1.92 | $16 |
| Tang. Book Value ($M) | ▲ | $17 | +1.92 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +1.86 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 69.37% | -3.76 | 73.13% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.08% | -0.23 | 0.31% |
| Allowance / Loans (%) | — | 0.95% | 0.04% | 0.92% |
| Net Charge-Off Ratio (%) | ▲ | 0.04% | -0.43 | 0.47% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▆▁▁▃▆▇█ | Net Interest Margin (%) | 4.32% | 4.35% | 4.22% | 4.24% | 4.28% | 4.35% | 4.36% | 4.40% |
| █▇▁▂▃▆▃█ | Return on Assets (%) | 1.88% | 1.79% | 1.43% | 1.53% | 1.57% | 1.73% | 1.59% | 1.85% |
| ▁▂█▇▇▄▆▁ | Efficiency Ratio (%) | 53.9% | 55.3% | 61.6% | 60.2% | 60.0% | 57.5% | 59.3% | 54.7% |
| ▂▇▅██▆▅▁ | Cost of Funds (%) | 1.39% | 1.47% | 1.44% | 1.49% | 1.48% | 1.45% | 1.44% | 1.37% |
| ▃▇▁█▅▁█▂ | NPA / Assets (%) | 0.11% | 0.25% | 0.03% | 0.31% | 0.18% | 0.06% | 0.31% | 0.08% |
| ▁▇▁█▄▂▇▁ | Net Charge-Off Ratio (%) | 0.00% | 0.39% | 0.05% | 0.47% | 0.23% | 0.10% | 0.39% | 0.04% |
| ▄▃▁▂▅█▄▆ | Tang. Book Value ($M) | $15 | $15 | $14 | $15 | $16 | $18 | $15 | $17 |
| ▁▂▂▆▇▆█▃ | Gross Loans ($M) | $130 | $131 | $131 | $135 | $135 | $134 | $137 | $132 |
| ▄▂▂▁█▅▄▆ | Total Deposits ($M) | $186 | $184 | $184 | $182 | $190 | $186 | $186 | $188 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 71% |
| C&I / Commercial | 19% |
| Agricultural | 6% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 7% |