Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.49% | +0.26 | 1.23% |
| Return on Equity (%) | ▲ | 15.40% | +2.19 | 13.21% |
| Net Interest Margin (%) | ▲ | 4.12% | +0.43 | 3.69% |
| Efficiency Ratio (%) | ▲ | 44.03% | -3.41 | 47.45% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.34 | $1 |
| Cost of Funds (%) | ▲ | 1.48% | -0.15 | 1.63% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $299 | +16.12 | $283 |
| Gross Loans ($M) | ▲ | $206 | +23.15 | $183 |
| Loan Growth YoY (%) | ▲ | 76.19% | +5.18 | 71.01% |
| Total Deposits ($M) | ▲ | $266 | +12.80 | $253 |
| Shareholders Equity ($M) | ▲ | $30 | +2.65 | $27 |
| Tang. Book Value ($M) | ▲ | $29 | +2.65 | $27 |
| TBV excl. AOCI ($M)** | ▲ | $33 | +2.77 | $30 |
| Loan / Deposit Ratio (%) | ▲ | 76.19% | +5.18 | 71.01% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.20% | +0.17 | 0.03% |
| Allowance / Loans (%) | — | 1.44% | -0.03% | 1.47% |
| Net Charge-Off Ratio (%) | ▼ | 0.29% | +0.25 | 0.04% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 13.31% | -0.41 | 13.72% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▅▇█ | Net Interest Margin (%) | 3.45% | 3.48% | 3.56% | 3.69% | 3.74% | 3.79% | 3.99% | 4.12% |
| ▄▄▁▄▅▅▇█ | Return on Assets (%) | 1.25% | 1.25% | 1.02% | 1.23% | 1.26% | 1.26% | 1.41% | 1.49% |
| ██▇▅▄▄▂▁ | Efficiency Ratio (%) | 49.2% | 49.6% | 48.4% | 47.4% | 46.5% | 46.2% | 44.7% | 44.0% |
| █▇▄▅▅▇▁▁ | Cost of Funds (%) | 1.73% | 1.67% | 1.60% | 1.63% | 1.62% | 1.70% | 1.50% | 1.48% |
| ▂▁▁▁▂▆▁█ | NPA / Assets (%) | 0.04% | 0.01% | 0.01% | 0.03% | 0.04% | 0.15% | 0.02% | 0.20% |
| ▂▁▁▁▂▆▁█ | Net Charge-Off Ratio (%) | 0.07% | 0.01% | 0.02% | 0.04% | 0.06% | 0.21% | 0.03% | 0.29% |
| ▃▁▃▄▇▅▆█ | Tang. Book Value ($M) | $26 | $25 | $26 | $27 | $28 | $27 | $28 | $29 |
| ▁▁▂▄▅▅▆█ | Gross Loans ($M) | $168 | $164 | $173 | $183 | $189 | $186 | $195 | $206 |
| ▁▁▄▃▅▄█▇ | Total Deposits ($M) | $248 | $248 | $256 | $253 | $260 | $258 | $269 | $266 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 60% |
| C&I / Commercial | 18% |
| Agricultural | 16% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 9% |