Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.78% | +0.39 | 1.39% |
| Return on Equity (%) | ▲ | 15.77% | +3.92 | 11.85% |
| Net Interest Margin (%) | ▲ | 4.24% | +0.36 | 3.88% |
| Efficiency Ratio (%) | ▲ | 38.36% | -5.05 | 43.41% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.36 | $1 |
| Cost of Funds (%) | ▲ | 1.99% | -0.37 | 2.36% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $207 | +17.15 | $190 |
| Gross Loans ($M) | ▲ | $185 | +12.25 | $173 |
| Loan Growth YoY (%) | ▼ | 101.35% | -2.76 | 104.11% |
| Total Deposits ($M) | ▲ | $181 | +16.30 | $165 |
| Shareholders Equity ($M) | ▲ | $23 | +0.89 | $22 |
| Tang. Book Value ($M) | ▲ | $21 | +1.79 | $19 |
| Loan / Deposit Ratio (%) | ▼ | 101.35% | -2.76 | 104.11% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.66% | +0.32 | 0.34% |
| Allowance / Loans (%) | — | 0.87% | 0.10% | 0.77% |
| Net Charge-Off Ratio (%) | ▼ | 0.72% | +0.34 | 0.38% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▁▃▅▆▇█ | Net Interest Margin (%) | 4.21% | 4.16% | 3.70% | 3.88% | 3.99% | 4.06% | 4.17% | 4.24% |
| ▁▁▃▃▄▄▅█ | Return on Assets (%) | 1.26% | 1.20% | 1.37% | 1.39% | 1.43% | 1.46% | 1.55% | 1.78% |
| ▄█▅▇▇█▄▁ | Efficiency Ratio (%) | 41.1% | 44.4% | 42.0% | 43.4% | 43.3% | 43.9% | 41.2% | 38.4% |
| ▇█▇█▅▂▁▂ | Cost of Funds (%) | 2.30% | 2.39% | 2.32% | 2.36% | 2.17% | 1.98% | 1.85% | 1.99% |
| ▂▁▁▃▅▆█▇ | NPA / Assets (%) | 0.27% | 0.21% | 0.17% | 0.34% | 0.50% | 0.57% | 0.77% | 0.66% |
| ▂▁▁▃▅▆█▇ | Net Charge-Off Ratio (%) | 0.31% | 0.23% | 0.19% | 0.38% | 0.55% | 0.62% | 0.86% | 0.72% |
| ▂▁▃▃▆▅██ | Tang. Book Value ($M) | $18 | $18 | $19 | $19 | $20 | $20 | $21 | $21 |
| ▁▃▂▄▃▇▆█ | Gross Loans ($M) | $164 | $170 | $169 | $173 | $171 | $181 | $180 | $185 |
| ▁▁▅▂▃▄██ | Total Deposits ($M) | $160 | $161 | $171 | $165 | $166 | $170 | $183 | $181 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 8% |
| Agricultural | 21% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 8% |