Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.27% | +0.13 | 1.14% |
| Return on Equity (%) | ▲ | 11.49% | +1.26 | 10.23% |
| Net Interest Margin (%) | ▼ | 3.50% | -0.02 | 3.53% |
| Efficiency Ratio (%) | ▼ | 63.63% | +3.09 | 60.54% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.03 | $1 |
| Cost of Funds (%) | ▲ | 2.02% | -0.42 | 2.44% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $322 | -6.25 | $329 |
| Gross Loans ($M) | ▼ | $197 | -3.44 | $200 |
| Loan Growth YoY (%) | ▼ | 68.19% | -3.62 | 71.81% |
| Total Deposits ($M) | ▲ | $284 | +8.99 | $275 |
| Shareholders Equity ($M) | ▲ | $37 | +0.67 | $36 |
| Tang. Book Value ($M) | ▲ | $36 | +0.78 | $35 |
| TBV excl. AOCI ($M)** | ▲ | $41 | +0.63 | $41 |
| Loan / Deposit Ratio (%) | ▼ | 68.19% | -3.62 | 71.81% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.86% | +0.24 | 0.62% |
| Allowance / Loans (%) | — | 1.72% | 0.21% | 1.51% |
| Net Charge-Off Ratio (%) | ▼ | 1.15% | +0.13 | 1.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▅████▁▇ | Net Interest Margin (%) | 3.39% | 3.41% | 3.53% | 3.53% | 3.55% | 3.56% | 3.25% | 3.50% |
| ▁▃▃▆▅▇▄█ | Return on Assets (%) | 0.82% | 0.95% | 0.95% | 1.14% | 1.10% | 1.18% | 1.02% | 1.27% |
| ▆▇▆▁▁▁█▄ | Efficiency Ratio (%) | 65.4% | 65.5% | 64.8% | 60.5% | 60.7% | 60.0% | 67.2% | 63.6% |
| █▄▃▄▅▂▂▁ | Cost of Funds (%) | 3.12% | 2.56% | 2.41% | 2.44% | 2.61% | 2.25% | 2.22% | 2.02% |
| ▃▁▂▆▆▆██ | NPA / Assets (%) | 0.34% | 0.12% | 0.27% | 0.62% | 0.63% | 0.68% | 0.91% | 0.86% |
| ▃▁▂▅▅▆█▆ | Net Charge-Off Ratio (%) | 0.61% | 0.21% | 0.48% | 1.02% | 1.04% | 1.18% | 1.62% | 1.15% |
| ▅▁▁▄█▆▂▇ | Tang. Book Value ($M) | $36 | $34 | $34 | $35 | $37 | $36 | $35 | $36 |
| ▁▁▂██▇▄▇ | Gross Loans ($M) | $177 | $175 | $178 | $200 | $198 | $196 | $185 | $197 |
| ▁▃▄▂▅█▆▄ | Total Deposits ($M) | $269 | $280 | $281 | $275 | $286 | $300 | $292 | $284 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 14% |
| Agricultural | 15% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 16% |