Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.75% | +0.25 | 1.50% |
| Return on Equity (%) | ▼ | 15.50% | -0.47 | 15.97% |
| Net Interest Margin (%) | ▲ | 3.49% | +0.14 | 3.36% |
| Efficiency Ratio (%) | ▲ | 44.10% | -2.30 | 46.39% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.02 | $1 |
| Cost of Funds (%) | ▲ | 1.41% | -0.11 | 1.52% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $197 | +4.08 | $193 |
| Gross Loans ($M) | ▲ | $84 | +5.58 | $79 |
| Loan Growth YoY (%) | ▲ | 48.24% | +3.23 | 45.01% |
| Total Deposits ($M) | ▼ | $174 | -0.06 | $174 |
| Shareholders Equity ($M) | ▲ | $22 | +4.19 | $18 |
| Tang. Book Value ($M) | ▲ | $22 | +4.45 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +4.16 | $22 |
| Loan / Deposit Ratio (%) | ▲ | 48.24% | +3.23 | 45.01% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.10% | -0.00 | 0.11% |
| Allowance / Loans (%) | — | 0.70% | -0.05% | 0.75% |
| Net Charge-Off Ratio (%) | ▲ | 0.24% | -0.02 | 0.27% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▇▇▇██ | Net Interest Margin (%) | 2.74% | 2.82% | 3.18% | 3.36% | 3.36% | 3.38% | 3.40% | 3.49% |
| ▁▁▄▆▆▇██ | Return on Assets (%) | 1.01% | 0.99% | 1.28% | 1.50% | 1.55% | 1.59% | 1.71% | 1.75% |
| ██▄▂▁▂▁▁ | Efficiency Ratio (%) | 57.7% | 59.6% | 50.6% | 46.4% | 45.5% | 46.8% | 44.0% | 44.1% |
| ██▃▃▃▃▁▁ | Cost of Funds (%) | 1.72% | 1.69% | 1.52% | 1.52% | 1.51% | 1.50% | 1.41% | 1.41% |
| █▆▁▁▁▁▁▁ | NPA / Assets (%) | 0.19% | 0.16% | 0.11% | 0.11% | 0.11% | 0.10% | 0.11% | 0.10% |
| █▅▂▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.58% | 0.45% | 0.29% | 0.27% | 0.26% | 0.25% | 0.26% | 0.24% |
| ▄▁▃▂▆▇██ | Tang. Book Value ($M) | $19 | $16 | $18 | $17 | $20 | $21 | $22 | $22 |
| ▁▃▅▇▇███ | Gross Loans ($M) | $61 | $68 | $75 | $79 | $81 | $83 | $82 | $84 |
| ▁▅▂▆▃█▆▆ | Total Deposits ($M) | $168 | $173 | $170 | $174 | $171 | $177 | $174 | $174 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 50% |
| C&I / Commercial | 21% |
| Agricultural | 27% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 12% |