Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.55% | -0.15 | 2.70% |
| Return on Equity (%) | ▼ | 24.27% | -2.07 | 26.34% |
| Net Interest Margin (%) | ▼ | 4.46% | -0.06 | 4.52% |
| Efficiency Ratio (%) | ▼ | 40.89% | +1.58 | 39.30% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.13 | $2 |
| Cost of Funds (%) | ▲ | 2.07% | -0.08 | 2.15% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $270 | +11.71 | $258 |
| Gross Loans ($M) | ▲ | $212 | +11.25 | $201 |
| Loan Growth YoY (%) | ▲ | 87.40% | +1.67 | 85.73% |
| Total Deposits ($M) | ▲ | $240 | +8.62 | $231 |
| Shareholders Equity ($M) | ▲ | $30 | +2.94 | $27 |
| Tang. Book Value ($M) | ▲ | $30 | +2.94 | $27 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +3.10 | $28 |
| Loan / Deposit Ratio (%) | ▲ | 87.40% | +1.67 | 85.73% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.58% | +0.46 | 0.11% |
| Allowance / Loans (%) | — | 1.17% | -0.13% | 1.31% |
| Net Charge-Off Ratio (%) | ▼ | 0.44% | +0.30 | 0.15% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂██▆▆▄▇ | Net Interest Margin (%) | 4.10% | 4.18% | 4.53% | 4.52% | 4.41% | 4.41% | 4.26% | 4.46% |
| ▃▅██▆▆▁▄ | Return on Assets (%) | 2.49% | 2.56% | 2.68% | 2.70% | 2.60% | 2.61% | 2.40% | 2.55% |
| █▇▂▁▄▃█▅ | Efficiency Ratio (%) | 42.0% | 41.4% | 40.0% | 39.3% | 40.5% | 40.2% | 41.8% | 40.9% |
| █▆▁▃▄▆▁▁ | Cost of Funds (%) | 2.44% | 2.32% | 2.08% | 2.15% | 2.22% | 2.31% | 2.05% | 2.07% |
| ▁▁▆▂▁█▇▇ | NPA / Assets (%) | 0.00% | 0.00% | 0.51% | 0.11% | 0.00% | 0.75% | 0.66% | 0.58% |
| ▁▁▆▂▁██▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.64% | 0.15% | 0.00% | 1.00% | 0.88% | 0.44% |
| ▁▁▃▄▅▆▇█ | Tang. Book Value ($M) | $24 | $25 | $26 | $27 | $27 | $28 | $29 | $30 |
| ▁▃▅▆▇▇██ | Gross Loans ($M) | $179 | $188 | $199 | $201 | $206 | $206 | $208 | $212 |
| ▁▁▂▄█▇█▆ | Total Deposits ($M) | $216 | $219 | $223 | $231 | $250 | $245 | $251 | $240 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 17% |
| Agricultural | 10% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 40% |
| Brokered / Other | 39% |