Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.85% | +0.12 | 0.73% |
| Return on Equity (%) | ▲ | 8.92% | +1.32 | 7.60% |
| Net Interest Margin (%) | ▼ | 2.91% | -0.02 | 2.93% |
| Efficiency Ratio (%) | ▲ | 67.82% | -7.98 | 75.80% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.07 | $1 |
| Cost of Funds (%) | ▲ | 2.52% | -0.18 | 2.70% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $299 | +18.34 | $281 |
| Gross Loans ($M) | ▲ | $184 | +14.27 | $170 |
| Loan Growth YoY (%) | ▲ | 69.16% | +1.73 | 67.43% |
| Total Deposits ($M) | ▲ | $260 | +14.46 | $246 |
| Shareholders Equity ($M) | ▲ | $29 | +2.73 | $26 |
| Tang. Book Value ($M) | ▲ | $27 | +2.95 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +2.95 | $28 |
| Loan / Deposit Ratio (%) | ▲ | 69.16% | +1.73 | 67.43% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.20% | -0.17 | 1.37% |
| Allowance / Loans (%) | — | 2.12% | -0.17% | 2.29% |
| Net Charge-Off Ratio (%) | ▲ | 1.87% | -0.28 | 2.15% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁█▇█▇▇▇ | Net Interest Margin (%) | 2.41% | 2.45% | 3.01% | 2.93% | 2.97% | 2.90% | 2.90% | 2.91% |
| ▂▁▁▅█▇██ | Return on Assets (%) | 0.58% | 0.56% | 0.51% | 0.73% | 0.87% | 0.81% | 0.90% | 0.85% |
| ▅▅█▅▂▃▁▂ | Efficiency Ratio (%) | 74.7% | 76.5% | 83.9% | 75.8% | 69.2% | 70.1% | 65.2% | 67.8% |
| █▇▁▅▅▄▃▁ | Cost of Funds (%) | 2.93% | 2.87% | 2.47% | 2.70% | 2.70% | 2.65% | 2.59% | 2.52% |
| ▁▁▇█▆▆█▇ | NPA / Assets (%) | 0.10% | 0.09% | 1.20% | 1.37% | 0.99% | 1.00% | 1.26% | 1.20% |
| ▁▁▇█▆▆█▇ | Net Charge-Off Ratio (%) | 0.04% | 0.00% | 1.82% | 2.15% | 1.56% | 1.60% | 1.96% | 1.87% |
| █▄▁▁▆▇▆█ | Tang. Book Value ($M) | $27 | $25 | $24 | $24 | $26 | $26 | $26 | $27 |
| ▁▁▆▆▆▇▇█ | Gross Loans ($M) | $137 | $142 | $170 | $170 | $171 | $176 | $177 | $184 |
| ▁▁▆▆▇█▇█ | Total Deposits ($M) | $204 | $210 | $241 | $246 | $250 | $260 | $251 | $260 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 60% |
| C&I / Commercial | 15% |
| Agricultural | 22% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 15% |