Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.78% | +0.32 | 1.46% |
| Return on Equity (%) | ▲ | 15.75% | +3.60 | 12.15% |
| Net Interest Margin (%) | ▲ | 3.36% | +0.03 | 3.34% |
| Efficiency Ratio (%) | ▲ | 39.23% | -7.26 | 46.49% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.31 | $1 |
| Cost of Funds (%) | ▼ | 2.89% | +0.05 | 2.84% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $215 | +27.59 | $188 |
| Gross Loans ($M) | ▲ | $179 | +26.88 | $152 |
| Loan Growth YoY (%) | ▼ | 107.15% | -0.62 | 107.77% |
| Total Deposits ($M) | ▲ | $165 | +25.62 | $140 |
| Shareholders Equity ($M) | ▲ | $24 | +2.06 | $22 |
| Tang. Book Value ($M) | ▲ | $24 | +2.21 | $21 |
| Loan / Deposit Ratio (%) | ▼ | 107.15% | -0.62 | 107.77% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.15% | -0.77 | 0.92% |
| Allowance / Loans (%) | — | 1.08% | 0.00% | 1.08% |
| Net Charge-Off Ratio (%) | ▲ | 0.19% | -0.95 | 1.14% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 13.84% | -1.05 | 14.89% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▁▂▂▁▁ | Net Interest Margin (%) | 3.94% | 3.88% | 3.32% | 3.34% | 3.43% | 3.47% | 3.35% | 3.36% |
| █▇▁▁▃▃▄▆ | Return on Assets (%) | 1.95% | 1.87% | 1.47% | 1.46% | 1.59% | 1.64% | 1.68% | 1.78% |
| ▂▃▇█▆▅▂▁ | Efficiency Ratio (%) | 40.2% | 41.8% | 45.6% | 46.5% | 44.1% | 43.5% | 40.5% | 39.2% |
| ▁█▇▅█▅▄█ | Cost of Funds (%) | 2.76% | 2.90% | 2.87% | 2.84% | 2.90% | 2.84% | 2.81% | 2.89% |
| ▂▄▃█▅▅▄▁ | NPA / Assets (%) | 0.30% | 0.46% | 0.44% | 0.92% | 0.59% | 0.56% | 0.47% | 0.15% |
| ▂▄▃█▅▄▄▁ | Net Charge-Off Ratio (%) | 0.37% | 0.56% | 0.53% | 1.14% | 0.68% | 0.64% | 0.57% | 0.19% |
| ▁▂▄▃▅▇██ | Tang. Book Value ($M) | $21 | $21 | $22 | $21 | $22 | $23 | $24 | $24 |
| ▁▁▁▂▆███ | Gross Loans ($M) | $146 | $149 | $148 | $152 | $170 | $181 | $178 | $179 |
| ▂▂▁▂▄▆▇█ | Total Deposits ($M) | $139 | $139 | $134 | $140 | $146 | $155 | $161 | $165 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 54% |
| C&I / Commercial | 10% |
| Agricultural | 35% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 9% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 34% |