Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.45% | +0.10 | 1.35% |
| Return on Equity (%) | ▲ | 16.58% | +1.71 | 14.87% |
| Net Interest Margin (%) | ▲ | 3.94% | +0.05 | 3.89% |
| Efficiency Ratio (%) | ▲ | 59.31% | -2.43 | 61.74% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $1 |
| Cost of Funds (%) | ▲ | 2.58% | -0.15 | 2.73% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $253 | +28.87 | $224 |
| Gross Loans ($M) | ▲ | $217 | +24.34 | $193 |
| Loan Growth YoY (%) | ▲ | 98.87% | +4.37 | 94.49% |
| Total Deposits ($M) | ▲ | $218 | +15.56 | $202 |
| Shareholders Equity ($M) | ▲ | $22 | +1.17 | $21 |
| Tang. Book Value ($M) | ▲ | $22 | +1.17 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 98.87% | +4.37 | 94.49% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.32% | -0.22 | 0.54% |
| Allowance / Loans (%) | — | 1.00% | -0.07% | 1.07% |
| Net Charge-Off Ratio (%) | ▲ | 0.37% | -0.26 | 0.63% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 10.56% | -0.65 | 11.21% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆█████ | Net Interest Margin (%) | 3.43% | 3.51% | 3.76% | 3.89% | 3.91% | 3.91% | 3.95% | 3.94% |
| ▁▂▇▇▇▇██ | Return on Assets (%) | 0.83% | 0.95% | 1.34% | 1.35% | 1.36% | 1.34% | 1.48% | 1.45% |
| █▇▂▂▂▂▁▁ | Efficiency Ratio (%) | 72.3% | 70.1% | 61.5% | 61.7% | 61.4% | 61.7% | 58.7% | 59.3% |
| █▅▄▄▃▁▁▂ | Cost of Funds (%) | 3.12% | 2.84% | 2.72% | 2.73% | 2.62% | 2.49% | 2.42% | 2.58% |
| ▁▁▃███▁▅ | NPA / Assets (%) | 0.03% | 0.02% | 0.16% | 0.54% | 0.51% | 0.57% | 0.08% | 0.32% |
| ▁▁▃██▅▁▅ | Net Charge-Off Ratio (%) | 0.03% | 0.02% | 0.18% | 0.63% | 0.59% | 0.40% | 0.09% | 0.37% |
| ▁▃▄▆▇▆██ | Tang. Book Value ($M) | $19 | $20 | $21 | $21 | $21 | $21 | $22 | $22 |
| ▁▃▂▃▄▆██ | Gross Loans ($M) | $185 | $196 | $191 | $193 | $197 | $206 | $217 | $217 |
| ▁▁▅▄▃▃██ | Total Deposits ($M) | $186 | $185 | $203 | $202 | $198 | $198 | $220 | $218 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 43% |
| C&I / Commercial | 26% |
| Agricultural | 13% |
| Consumer | 17% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 26% |