Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.43% | +0.16 | 1.27% |
| Return on Equity (%) | ▲ | 17.16% | +1.18 | 15.98% |
| Net Interest Margin (%) | ▲ | 4.45% | +0.17 | 4.28% |
| Efficiency Ratio (%) | ▲ | 64.69% | -1.12 | 65.81% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.08 | $1 |
| Cost of Funds (%) | ▲ | 1.83% | -0.09 | 1.92% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $151 | +13.20 | $138 |
| Gross Loans ($M) | ▲ | $113 | +10.21 | $103 |
| Loan Growth YoY (%) | ▼ | 81.51% | -1.11 | 82.62% |
| Total Deposits ($M) | ▲ | $137 | +14.02 | $123 |
| Shareholders Equity ($M) | ▲ | $13 | +1.71 | $11 |
| Tang. Book Value ($M) | ▲ | $13 | +1.71 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +1.55 | $13 |
| Loan / Deposit Ratio (%) | ▼ | 81.51% | -1.11 | 82.62% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.09 | 0.09% |
| Allowance / Loans (%) | — | 1.21% | 0.02% | 1.19% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.12 | 0.12% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 11.39% | -0.25 | 11.64% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▅▆▅▆█ | Net Interest Margin (%) | 4.05% | 4.04% | 4.14% | 4.28% | 4.30% | 4.27% | 4.30% | 4.45% |
| ▄▁▁▃▃▁██ | Return on Assets (%) | 1.29% | 1.17% | 1.19% | 1.27% | 1.26% | 1.18% | 1.45% | 1.43% |
| ▃█▄▄▅█▁▂ | Efficiency Ratio (%) | 64.9% | 68.2% | 65.6% | 65.8% | 66.6% | 68.4% | 63.7% | 64.7% |
| ▂▃▁▃▂█▃▁ | Cost of Funds (%) | 1.89% | 1.90% | 1.83% | 1.92% | 1.87% | 2.12% | 1.93% | 1.83% |
| ▁▁▄▄█▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.09% | 0.09% | 0.23% | 0.00% | 0.00% | 0.00% |
| ▁▁██▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.13% | 0.12% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▃▁▂▃▆▆▇█ | Tang. Book Value ($M) | $11 | $11 | $11 | $11 | $12 | $12 | $13 | $13 |
| ▁▄▂▃▅█▅▇ | Gross Loans ($M) | $94 | $105 | $100 | $103 | $107 | $119 | $108 | $113 |
| ▂▁▂▃▂▅▇█ | Total Deposits ($M) | $119 | $115 | $120 | $123 | $119 | $129 | $134 | $137 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 32% |
| C&I / Commercial | 14% |
| Agricultural | 52% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 13% |