Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.93% | -0.12 | 2.06% |
| Return on Equity (%) | ▼ | 23.81% | -2.84 | 26.65% |
| Net Interest Margin (%) | ▲ | 4.35% | +0.01 | 4.34% |
| Efficiency Ratio (%) | ▼ | 58.45% | +2.91 | 55.54% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.02 | $1 |
| Cost of Funds (%) | ▲ | 1.14% | -0.08 | 1.22% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $175 | +5.87 | $169 |
| Gross Loans ($M) | ▲ | $83 | +5.86 | $77 |
| Loan Growth YoY (%) | ▲ | 50.74% | +2.06 | 48.68% |
| Total Deposits ($M) | ▲ | $160 | +5.38 | $154 |
| Shareholders Equity ($M) | ▲ | $14 | +0.62 | $13 |
| Tang. Book Value ($M) | ▲ | $14 | +0.62 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +0.75 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 50.74% | +2.06 | 48.68% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.30% | +1.29 | 0.01% |
| Allowance / Loans (%) | — | 1.81% | -0.21% | 2.02% |
| Net Charge-Off Ratio (%) | ▼ | 2.76% | +2.73 | 0.03% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▁▆██▁▇ | Net Interest Margin (%) | 4.37% | 4.35% | 4.23% | 4.34% | 4.37% | 4.37% | 4.23% | 4.35% |
| █▆███▆▁▄ | Return on Assets (%) | 2.08% | 2.02% | 2.07% | 2.06% | 2.06% | 2.01% | 1.84% | 1.93% |
| ▂▄▁▂▂▄█▆ | Efficiency Ratio (%) | 55.6% | 56.9% | 54.9% | 55.5% | 56.0% | 56.9% | 59.8% | 58.5% |
| ▇█▄▃▄▅▂▁ | Cost of Funds (%) | 1.32% | 1.35% | 1.23% | 1.22% | 1.23% | 1.27% | 1.18% | 1.14% |
| ▄▂▄▁▃▂██ | NPA / Assets (%) | 0.63% | 0.33% | 0.56% | 0.01% | 0.46% | 0.21% | 1.33% | 1.30% |
| ▃▁▃▁▃▂██ | Net Charge-Off Ratio (%) | 0.86% | 0.29% | 0.85% | 0.03% | 1.01% | 0.45% | 2.96% | 2.76% |
| ▃▃▁▂▆█▃▄ | Tang. Book Value ($M) | $13 | $13 | $13 | $13 | $14 | $15 | $13 | $14 |
| █▄▁▁▁▄▂█ | Gross Loans ($M) | $83 | $79 | $77 | $77 | $77 | $80 | $78 | $83 |
| ▁▁█▄▄▅██ | Total Deposits ($M) | $149 | $150 | $159 | $154 | $154 | $155 | $160 | $160 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 15% |
| Agricultural | 4% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 11% |