Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.91% | +0.24 | 0.66% |
| Return on Equity (%) | ▲ | 10.20% | +1.32 | 8.88% |
| Net Interest Margin (%) | ▲ | 2.91% | +0.26 | 2.65% |
| Efficiency Ratio (%) | ▲ | 69.63% | -6.19 | 75.82% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.26 | $1 |
| Cost of Funds (%) | ▲ | 1.69% | -0.15 | 1.84% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $326 | +7.69 | $318 |
| Gross Loans ($M) | ▲ | $179 | +3.97 | $175 |
| Loan Growth YoY (%) | ▲ | 60.34% | +0.78 | 59.56% |
| Total Deposits ($M) | ▲ | $294 | +2.88 | $291 |
| Shareholders Equity ($M) | ▲ | $30 | +4.72 | $26 |
| Tang. Book Value ($M) | ▲ | $30 | +4.72 | $26 |
| TBV excl. AOCI ($M)** | ▲ | $36 | +4.53 | $31 |
| Loan / Deposit Ratio (%) | ▲ | 60.34% | +0.78 | 59.56% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.14% | -0.60 | 0.74% |
| Allowance / Loans (%) | — | 1.11% | -0.04% | 1.16% |
| Net Charge-Off Ratio (%) | ▲ | 0.25% | -1.10 | 1.34% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▅▇█ | Net Interest Margin (%) | 2.51% | 2.54% | 2.59% | 2.65% | 2.68% | 2.72% | 2.83% | 2.91% |
| ▁▁▄▃▃▄██ | Return on Assets (%) | 0.55% | 0.58% | 0.70% | 0.66% | 0.67% | 0.71% | 0.89% | 0.91% |
| █▇▅▆▆▅▁▁ | Efficiency Ratio (%) | 79.3% | 77.9% | 74.3% | 75.8% | 75.6% | 74.5% | 68.9% | 69.6% |
| █▇▅▅▄▃▁▂ | Cost of Funds (%) | 2.01% | 1.92% | 1.83% | 1.84% | 1.80% | 1.71% | 1.60% | 1.69% |
| █▁▅▅▅▁▁▁ | NPA / Assets (%) | 1.23% | 0.24% | 0.69% | 0.74% | 0.69% | 0.16% | 0.24% | 0.14% |
| █▂▅▅▅▁▁▁ | Net Charge-Off Ratio (%) | 2.31% | 0.46% | 1.29% | 1.34% | 1.29% | 0.16% | 0.30% | 0.25% |
| ▂▁▁▃▆▇▇█ | Tang. Book Value ($M) | $25 | $23 | $24 | $26 | $28 | $29 | $29 | $30 |
| ▁▁▁▃▃█▄▇ | Gross Loans ($M) | $173 | $173 | $173 | $175 | $175 | $181 | $176 | $179 |
| ▄█▄▁▃█▆▂ | Total Deposits ($M) | $298 | $307 | $299 | $291 | $297 | $307 | $302 | $294 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 10% |
| Agricultural | 20% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 10% |