Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.13% | +0.25 | 1.88% |
| Return on Equity (%) | ▲ | 8.79% | +0.53 | 8.26% |
| Net Interest Margin (%) | ▲ | 3.08% | +0.22 | 2.86% |
| Efficiency Ratio (%) | ▲ | 28.90% | -4.53 | 33.43% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $1 |
| Cost of Funds (%) | ▲ | 1.64% | -0.13 | 1.77% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $138 | +5.76 | $132 |
| Gross Loans ($M) | ▲ | $42 | +4.60 | $37 |
| Loan Growth YoY (%) | ▲ | 37.86% | +4.53 | 33.33% |
| Total Deposits ($M) | ▼ | $104 | -0.24 | $104 |
| Shareholders Equity ($M) | ▲ | $34 | +6.03 | $28 |
| Tang. Book Value ($M) | ▲ | $33 | +6.03 | $27 |
| TBV excl. AOCI ($M)** | ▲ | $38 | +6.42 | $31 |
| Loan / Deposit Ratio (%) | ▲ | 37.86% | +4.53 | 33.33% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.64% | +0.78 | 0.86% |
| Allowance / Loans (%) | — | 5.75% | -0.75% | 6.50% |
| Net Charge-Off Ratio (%) | ▼ | 5.45% | +2.53 | 2.91% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▂▃▄▇█ | Net Interest Margin (%) | 2.81% | 2.80% | 2.87% | 2.86% | 2.88% | 2.91% | 3.01% | 3.08% |
| ▂▁▂▄▄▃▆█ | Return on Assets (%) | 1.81% | 1.72% | 1.82% | 1.88% | 1.89% | 1.86% | 2.01% | 2.13% |
| ▆█▇▄▄▆▃▁ | Efficiency Ratio (%) | 34.9% | 38.1% | 36.2% | 33.4% | 33.2% | 34.7% | 31.3% | 28.9% |
| ▆█▆▅█▆▃▁ | Cost of Funds (%) | 1.80% | 1.87% | 1.79% | 1.77% | 1.88% | 1.81% | 1.70% | 1.64% |
| ▁▁▁▁▃▂▂█ | NPA / Assets (%) | 0.88% | 0.82% | 0.79% | 0.86% | 1.01% | 0.98% | 0.98% | 1.64% |
| ▁▁▁▂▃▃▃█ | Net Charge-Off Ratio (%) | 2.23% | 2.13% | 2.24% | 2.91% | 3.23% | 3.07% | 3.25% | 5.45% |
| ▃▁▁▁▄▇▆█ | Tang. Book Value ($M) | $29 | $28 | $28 | $27 | $30 | $32 | $31 | $33 |
| ██▆▁▄▅▅█ | Gross Loans ($M) | $42 | $42 | $40 | $37 | $39 | $40 | $40 | $42 |
| ▁▃▄█▇█▇█ | Total Deposits ($M) | $83 | $88 | $92 | $104 | $99 | $101 | $99 | $104 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 64% |
| C&I / Commercial | 6% |
| Agricultural | 26% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 11% |