Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.78% | +0.30 | 2.48% |
| Return on Equity (%) | ▲ | 12.57% | +0.70 | 11.87% |
| Net Interest Margin (%) | ▲ | 4.52% | +0.18 | 4.34% |
| Efficiency Ratio (%) | ▲ | 39.80% | -0.48 | 40.28% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.10 | $1 |
| Cost of Funds (%) | ▲ | 1.37% | -0.10 | 1.46% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $192 | +0.88 | $191 |
| Gross Loans ($M) | ▲ | $150 | +11.80 | $138 |
| Loan Growth YoY (%) | ▲ | 108.20% | +14.97 | 93.23% |
| Total Deposits ($M) | ▼ | $138 | -9.54 | $148 |
| Shareholders Equity ($M) | ▲ | $44 | +3.65 | $40 |
| Tang. Book Value ($M) | ▲ | $44 | +3.65 | $40 |
| TBV excl. AOCI ($M)** | ▲ | $46 | +3.47 | $42 |
| Loan / Deposit Ratio (%) | ▲ | 108.20% | +14.97 | 93.23% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.30% | +0.17 | 0.13% |
| Allowance / Loans (%) | — | 0.41% | -0.02% | 0.43% |
| Net Charge-Off Ratio (%) | ▼ | 0.34% | +0.16 | 0.18% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▇▇▁▃▅▅▇█ | Net Interest Margin (%) | 4.48% | 4.45% | 4.24% | 4.34% | 4.41% | 4.41% | 4.48% | 4.52% |
| ▆▁▁▃▄▁▇█ | Return on Assets (%) | 2.66% | 2.38% | 2.39% | 2.48% | 2.56% | 2.37% | 2.70% | 2.78% |
| ▁█▄▁▃█▅▁ | Efficiency Ratio (%) | 39.5% | 45.9% | 42.3% | 40.3% | 41.6% | 45.7% | 42.7% | 39.8% |
| █▆▃▄▅▅▁▁ | Cost of Funds (%) | 1.60% | 1.52% | 1.42% | 1.46% | 1.49% | 1.48% | 1.34% | 1.37% |
| ▅▄▅▁▁▁▅█ | NPA / Assets (%) | 0.23% | 0.19% | 0.21% | 0.13% | 0.13% | 0.12% | 0.21% | 0.30% |
| █▅▇▁▁▁▄█ | Net Charge-Off Ratio (%) | 0.32% | 0.27% | 0.30% | 0.18% | 0.17% | 0.16% | 0.24% | 0.34% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $39 | $39 | $40 | $40 | $42 | $43 | $43 | $44 |
| ▁▂▄▄▅▇██ | Gross Loans ($M) | $127 | $131 | $136 | $138 | $141 | $145 | $148 | $150 |
| ▁▄▇▆▄██▁ | Total Deposits ($M) | $136 | $145 | $152 | $148 | $145 | $154 | $152 | $138 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 6% |
| Agricultural | 23% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 4% |