Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.03% | +0.21 | 1.82% |
| Return on Equity (%) | ▲ | 24.53% | +0.57 | 23.96% |
| Net Interest Margin (%) | ▲ | 4.73% | +0.23 | 4.51% |
| Efficiency Ratio (%) | ▲ | 46.63% | -3.27 | 49.90% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.60 | $2 |
| Cost of Funds (%) | ▲ | 1.22% | -0.27 | 1.49% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $396 | +26.71 | $369 |
| Gross Loans ($M) | ▲ | $293 | +23.73 | $269 |
| Loan Growth YoY (%) | ▲ | 80.22% | +0.13 | 80.10% |
| Total Deposits ($M) | ▲ | $359 | +27.95 | $331 |
| Shareholders Equity ($M) | ▲ | $34 | +3.37 | $31 |
| Tang. Book Value ($M) | ▲ | $34 | +3.37 | $30 |
| TBV excl. AOCI ($M)** | ▲ | $38 | +3.15 | $35 |
| Loan / Deposit Ratio (%) | ▲ | 80.22% | +0.13 | 80.10% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.57% | -0.03 | 1.60% |
| Allowance / Loans (%) | — | 1.75% | 0.17% | 1.57% |
| Net Charge-Off Ratio (%) | ▲ | 2.12% | -0.08 | 2.19% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆█▅█ | Net Interest Margin (%) | 4.20% | 4.25% | 4.38% | 4.51% | 4.59% | 4.68% | 4.48% | 4.73% |
| ▁▁█▁▃▂▁▆ | Return on Assets (%) | 1.79% | 1.79% | 2.16% | 1.82% | 1.89% | 1.84% | 1.78% | 2.03% |
| ██▃▄▃▃▃▁ | Efficiency Ratio (%) | 54.8% | 54.1% | 49.1% | 49.9% | 49.2% | 48.8% | 49.1% | 46.6% |
| █▇▆▇▆▃▁▁ | Cost of Funds (%) | 1.58% | 1.49% | 1.47% | 1.49% | 1.46% | 1.34% | 1.26% | 1.22% |
| ▂▁▁█▆▆██ | NPA / Assets (%) | 0.38% | 0.13% | 0.30% | 1.60% | 1.06% | 1.19% | 1.52% | 1.57% |
| ▂▁▁█▆▆██ | Net Charge-Off Ratio (%) | 0.56% | 0.19% | 0.44% | 2.19% | 1.45% | 1.59% | 2.11% | 2.12% |
| ▆▁▄▆▆▅▇█ | Tang. Book Value ($M) | $31 | $25 | $28 | $30 | $31 | $30 | $32 | $34 |
| ▁▁▃▄▆▇██ | Gross Loans ($M) | $249 | $253 | $263 | $269 | $276 | $283 | $291 | $293 |
| ▃▁▄▁▃▃█▇ | Total Deposits ($M) | $337 | $326 | $343 | $331 | $340 | $340 | $369 | $359 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 10% |
| Agricultural | 20% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 11% |