Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.83% | +0.18 | 1.65% |
| Return on Equity (%) | ▲ | 19.07% | +1.13 | 17.94% |
| Net Interest Margin (%) | ▲ | 3.96% | +0.33 | 3.63% |
| Efficiency Ratio (%) | ▲ | 51.14% | -1.78 | 52.92% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.25 | $1 |
| Cost of Funds (%) | ▲ | 2.51% | -0.16 | 2.67% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $264 | +23.37 | $241 |
| Gross Loans ($M) | ▲ | $219 | +14.59 | $204 |
| Loan Growth YoY (%) | ▼ | 91.21% | -1.97 | 93.17% |
| Total Deposits ($M) | ▲ | $237 | +20.49 | $217 |
| Shareholders Equity ($M) | ▲ | $25 | +2.74 | $22 |
| Tang. Book Value ($M) | ▲ | $25 | +2.74 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +2.90 | $23 |
| Loan / Deposit Ratio (%) | ▼ | 91.21% | -1.97 | 93.17% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.10% | -0.07 | 0.17% |
| Allowance / Loans (%) | — | 1.09% | 0.01% | 1.09% |
| Net Charge-Off Ratio (%) | ▲ | 0.12% | -0.09 | 0.20% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▇██ | Net Interest Margin (%) | 3.16% | 3.24% | 3.51% | 3.63% | 3.70% | 3.78% | 3.94% | 3.96% |
| ▁▁▄▆▆▆▇█ | Return on Assets (%) | 1.32% | 1.38% | 1.55% | 1.65% | 1.67% | 1.69% | 1.73% | 1.83% |
| █▇▄▃▁▁▃▁ | Efficiency Ratio (%) | 58.0% | 56.4% | 54.0% | 52.9% | 51.2% | 51.4% | 53.6% | 51.1% |
| ██▄▃▄▄▁▁ | Cost of Funds (%) | 2.98% | 3.02% | 2.75% | 2.67% | 2.72% | 2.72% | 2.52% | 2.51% |
| ██▇█▄▄▆▁ | NPA / Assets (%) | 0.17% | 0.18% | 0.17% | 0.17% | 0.14% | 0.13% | 0.16% | 0.10% |
| ██▇▇▄▃▆▁ | Net Charge-Off Ratio (%) | 0.21% | 0.22% | 0.20% | 0.20% | 0.16% | 0.15% | 0.19% | 0.12% |
| ▁▂▃▄▅▇██ | Tang. Book Value ($M) | $20 | $21 | $22 | $22 | $23 | $24 | $25 | $25 |
| ▁▁▃▄▄▆▇█ | Gross Loans ($M) | $197 | $195 | $202 | $204 | $207 | $211 | $214 | $219 |
| ▃▁▁▃▅▃▆█ | Total Deposits ($M) | $217 | $209 | $212 | $217 | $223 | $219 | $227 | $237 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 61% |
| C&I / Commercial | 19% |
| Agricultural | 16% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 11% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 22% |