Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.80% | -0.25 | 1.05% |
| Return on Equity (%) | ▼ | 8.42% | -2.84 | 11.26% |
| Net Interest Margin (%) | ▲ | 3.08% | +0.48 | 2.61% |
| Efficiency Ratio (%) | ▲ | 51.64% | -4.99 | 56.62% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.26 | $1 |
| Cost of Funds (%) | ▲ | 2.56% | -0.19 | 2.75% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $215 | +21.35 | $194 |
| Gross Loans ($M) | ▲ | $140 | +19.38 | $121 |
| Loan Growth YoY (%) | ▲ | 81.01% | +3.57 | 77.43% |
| Total Deposits ($M) | ▲ | $171 | +16.36 | $154 |
| Shareholders Equity ($M) | ▲ | $20 | +2.17 | $18 |
| Tang. Book Value ($M) | ▲ | $20 | +2.17 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $23 | +2.31 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 81.01% | +3.57 | 77.43% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.18% | -0.32 | 0.50% |
| Allowance / Loans (%) | — | 1.28% | 0.30% | 0.98% |
| Net Charge-Off Ratio (%) | ▲ | 0.28% | -0.52 | 0.80% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 13.76% | -1.28 | 15.04% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▁▂▃▄▇█ | Net Interest Margin (%) | 2.65% | 2.61% | 2.52% | 2.61% | 2.69% | 2.76% | 2.99% | 3.08% |
| █▃▄▇▇▇▅▁ | Return on Assets (%) | 1.12% | 0.88% | 0.93% | 1.05% | 1.06% | 1.06% | 0.98% | 0.80% |
| ▄▅█▄▃▃▄▁ | Efficiency Ratio (%) | 56.1% | 57.9% | 62.9% | 56.6% | 55.6% | 54.7% | 56.6% | 51.6% |
| ███▅▅▄▂▁ | Cost of Funds (%) | 2.91% | 2.88% | 2.89% | 2.75% | 2.75% | 2.70% | 2.63% | 2.56% |
| ███▄▂▂▁▂ | NPA / Assets (%) | 1.04% | 0.93% | 0.95% | 0.50% | 0.19% | 0.18% | 0.00% | 0.18% |
| ███▄▂▂▁▂ | Net Charge-Off Ratio (%) | 1.73% | 1.52% | 1.57% | 0.80% | 0.30% | 0.28% | 0.00% | 0.28% |
| ▄▁▁▂▆█▇█ | Tang. Book Value ($M) | $19 | $18 | $18 | $18 | $20 | $20 | $20 | $20 |
| ▁▂▁▃▅▇██ | Gross Loans ($M) | $111 | $117 | $113 | $121 | $128 | $136 | $139 | $140 |
| ▁▃▂▄▆▇██ | Total Deposits ($M) | $142 | $150 | $149 | $154 | $160 | $164 | $169 | $171 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 43% |
| C&I / Commercial | 26% |
| Agricultural | 30% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 51% |
| Brokered / Other | 36% |