Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.97% | +0.02 | 0.95% |
| Return on Equity (%) | ▼ | 9.19% | -0.01 | 9.20% |
| Net Interest Margin (%) | ▲ | 3.93% | +0.29 | 3.63% |
| Efficiency Ratio (%) | ▼ | 64.99% | +0.30 | 64.68% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.02 | $1 |
| Cost of Funds (%) | ▲ | 1.78% | -0.36 | 2.14% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $201 | +3.40 | $198 |
| Gross Loans ($M) | ▲ | $151 | +2.93 | $148 |
| Loan Growth YoY (%) | ▲ | 83.48% | +0.13 | 83.36% |
| Total Deposits ($M) | ▲ | $179 | +3.12 | $175 |
| Shareholders Equity ($M) | ▲ | $21 | +0.25 | $21 |
| Tang. Book Value ($M) | ▲ | $21 | +0.25 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $23 | +0.43 | $22 |
| Loan / Deposit Ratio (%) | ▲ | 83.48% | +0.13 | 83.36% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.01% | +1.01 | 0.00% |
| Allowance / Loans (%) | — | 1.14% | 0.04% | 1.09% |
| Net Charge-Off Ratio (%) | ▼ | 1.34% | +1.34 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▄▅▆██ | Net Interest Margin (%) | 3.44% | 3.49% | 3.48% | 3.63% | 3.72% | 3.78% | 3.87% | 3.93% |
| ▂▁▃▅▆█▄▆ | Return on Assets (%) | 0.83% | 0.79% | 0.86% | 0.95% | 0.98% | 1.05% | 0.92% | 0.97% |
| █▇▅▃▃▁▅▄ | Efficiency Ratio (%) | 69.9% | 68.8% | 66.9% | 64.7% | 64.1% | 62.0% | 66.0% | 65.0% |
| ██▆▇▅▂▁▁ | Cost of Funds (%) | 2.24% | 2.27% | 2.08% | 2.14% | 2.02% | 1.87% | 1.74% | 1.78% |
| ▂▁▂▁▆▃█▆ | NPA / Assets (%) | 0.19% | 0.14% | 0.28% | 0.00% | 0.89% | 0.49% | 1.39% | 1.01% |
| ▂▁▂▁▅▃█▆ | Net Charge-Off Ratio (%) | 0.26% | 0.19% | 0.42% | 0.00% | 1.17% | 0.63% | 2.04% | 1.34% |
| ▃▃▁▃▆█▂▄ | Tang. Book Value ($M) | $21 | $21 | $20 | $21 | $22 | $22 | $21 | $21 |
| ▂▄▁▄▅█▁▅ | Gross Loans ($M) | $142 | $147 | $138 | $148 | $150 | $159 | $138 | $151 |
| ▁▃█▆▆▆█▇ | Total Deposits ($M) | $165 | $171 | $181 | $175 | $175 | $177 | $180 | $179 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 41% |
| C&I / Commercial | 6% |
| Agricultural | 47% |
| Consumer | 2% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 15% |