Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.19% | +0.07 | 2.12% |
| Return on Equity (%) | ▲ | 16.84% | +1.07 | 15.77% |
| Net Interest Margin (%) | ▲ | 4.99% | +0.41 | 4.57% |
| Efficiency Ratio (%) | ▼ | 46.56% | +2.65 | 43.91% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.34 | $1 |
| Cost of Funds (%) | ▲ | 1.86% | -0.33 | 2.19% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $241 | +35.08 | $206 |
| Gross Loans ($M) | ▲ | $202 | +34.95 | $167 |
| Loan Growth YoY (%) | ▼ | 101.19% | -9.72 | 110.91% |
| Total Deposits ($M) | ▲ | $196 | +48.00 | $148 |
| Shareholders Equity ($M) | ▲ | $32 | +3.51 | $29 |
| Tang. Book Value ($M) | ▲ | $31 | +3.25 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +3.24 | $29 |
| Loan / Deposit Ratio (%) | ▼ | 101.19% | -9.72 | 110.91% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.49% | +0.06 | 0.43% |
| Allowance / Loans (%) | — | 1.71% | 0.09% | 1.62% |
| Net Charge-Off Ratio (%) | ▼ | 0.58% | +0.05 | 0.53% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▄▁▃▃▃▄█ | Net Interest Margin (%) | 4.79% | 4.66% | 4.41% | 4.57% | 4.60% | 4.61% | 4.65% | 4.99% |
| █▅▁▄▆▄▅▆ | Return on Assets (%) | 2.31% | 2.14% | 1.95% | 2.12% | 2.19% | 2.10% | 2.13% | 2.19% |
| ▁▃▅▂▂▅█▅ | Efficiency Ratio (%) | 42.4% | 44.9% | 46.0% | 43.9% | 43.3% | 46.2% | 49.2% | 46.6% |
| █▄▃▄▂▁▁▁ | Cost of Funds (%) | 2.60% | 2.22% | 2.11% | 2.19% | 2.04% | 1.86% | 1.87% | 1.86% |
| ▁▁▁▁█▆▆▂ | NPA / Assets (%) | 0.37% | 0.39% | 0.37% | 0.43% | 0.98% | 0.81% | 0.76% | 0.49% |
| ▁▁▁▁█▆▅▂ | Net Charge-Off Ratio (%) | 0.47% | 0.49% | 0.46% | 0.53% | 1.20% | 1.00% | 0.92% | 0.58% |
| ▁▁▁▃▆▇▆█ | Tang. Book Value ($M) | $26 | $27 | $26 | $28 | $29 | $30 | $29 | $31 |
| ▁▂▄▃▃▇██ | Gross Loans ($M) | $153 | $164 | $175 | $167 | $167 | $194 | $204 | $202 |
| ▁▁▂▂▁███ | Total Deposits ($M) | $146 | $138 | $149 | $148 | $145 | $201 | $203 | $196 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 25% |
| C&I / Commercial | 10% |
| Agricultural | 64% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 13% |