Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.24% | -0.08 | 1.33% |
| Return on Equity (%) | ▼ | 11.66% | -1.00 | 12.66% |
| Net Interest Margin (%) | ▼ | 4.01% | -0.13 | 4.14% |
| Efficiency Ratio (%) | ▲ | 57.33% | -0.02 | 57.35% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.03 | $1 |
| Cost of Funds (%) | ▲ | 1.50% | -0.14 | 1.64% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $192 | +1.92 | $190 |
| Gross Loans ($M) | ▲ | $115 | +13.00 | $102 |
| Loan Growth YoY (%) | ▲ | 66.41% | +7.21 | 59.21% |
| Total Deposits ($M) | ▲ | $170 | +0.75 | $170 |
| Shareholders Equity ($M) | ▲ | $21 | +1.18 | $20 |
| Tang. Book Value ($M) | ▲ | $21 | +1.18 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 66.41% | +7.21 | 59.21% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 3.06% | +3.06 | 0.00% |
| Allowance / Loans (%) | — | 1.60% | 0.08% | 1.52% |
| Net Charge-Off Ratio (%) | ▼ | 5.12% | +5.12 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 22.12% | -0.80 | 22.92% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▅▅▁▃▁▂ | Net Interest Margin (%) | 4.29% | 4.23% | 4.15% | 4.14% | 3.93% | 4.04% | 3.92% | 4.01% |
| ██▇▇▁▄▆▆ | Return on Assets (%) | 1.46% | 1.41% | 1.37% | 1.33% | 0.80% | 1.06% | 1.26% | 1.24% |
| ▄▅▅▄█▄▁▄ | Efficiency Ratio (%) | 57.4% | 57.8% | 57.7% | 57.4% | 59.9% | 56.9% | 55.1% | 57.3% |
| █▆▄▃▄▃▁▁ | Cost of Funds (%) | 1.91% | 1.81% | 1.69% | 1.64% | 1.70% | 1.65% | 1.51% | 1.50% |
| ▁▁▁▁▁███ | NPA / Assets (%) | 0.07% | 0.06% | 0.06% | 0.00% | 0.01% | 2.71% | 3.04% | 3.06% |
| ▁▁▁▁▁███ | Net Charge-Off Ratio (%) | 0.13% | 0.12% | 0.11% | 0.00% | 0.01% | 4.70% | 5.10% | 5.12% |
| ▁▁▃▅▄▅▇█ | Tang. Book Value ($M) | $18 | $19 | $19 | $20 | $19 | $20 | $20 | $21 |
| ▁▁▁▃▄▆██ | Gross Loans ($M) | $96 | $94 | $96 | $102 | $104 | $109 | $115 | $115 |
| ▁▄▅██▇██ | Total Deposits ($M) | $143 | $157 | $161 | $170 | $172 | $168 | $172 | $170 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 10% |
| Agricultural | 2% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 11% |