Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.69% | +0.11 | 1.58% |
| Return on Equity (%) | ▼ | 16.23% | -1.65 | 17.88% |
| Net Interest Margin (%) | ▼ | 3.34% | -0.01 | 3.35% |
| Efficiency Ratio (%) | ▲ | 51.54% | -3.16 | 54.70% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.21 | $1 |
| Cost of Funds (%) | ▼ | 1.73% | +0.18 | 1.55% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $280 | +15.94 | $264 |
| Gross Loans ($M) | ▲ | $143 | +4.92 | $138 |
| Loan Growth YoY (%) | ▼ | 60.23% | -0.18 | 60.42% |
| Total Deposits ($M) | ▲ | $234 | +8.84 | $225 |
| Shareholders Equity ($M) | ▲ | $30 | +6.84 | $23 |
| Tang. Book Value ($M) | ▲ | $30 | +6.84 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $36 | +7.97 | $28 |
| Loan / Deposit Ratio (%) | ▼ | 60.23% | -0.18 | 60.42% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.29% | +0.10 | 0.19% |
| Allowance / Loans (%) | — | 1.61% | -0.06% | 1.67% |
| Net Charge-Off Ratio (%) | ▼ | 0.43% | +0.20 | 0.23% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▆███▁█ | Net Interest Margin (%) | 3.23% | 3.24% | 3.31% | 3.35% | 3.34% | 3.34% | 3.24% | 3.34% |
| ▂▁▂▃█▆▁█ | Return on Assets (%) | 1.56% | 1.54% | 1.56% | 1.58% | 1.67% | 1.65% | 1.54% | 1.69% |
| ▅▇██▂▂▆▁ | Efficiency Ratio (%) | 53.4% | 54.2% | 54.8% | 54.7% | 52.3% | 52.1% | 53.7% | 51.5% |
| ▅▄▁▁██▄█ | Cost of Funds (%) | 1.66% | 1.63% | 1.56% | 1.55% | 1.71% | 1.72% | 1.63% | 1.73% |
| ██▂▁█▇█▆ | NPA / Assets (%) | 0.32% | 0.32% | 0.22% | 0.19% | 0.32% | 0.30% | 0.33% | 0.29% |
| ▄▄▁▂█▇█▇ | Net Charge-Off Ratio (%) | 0.31% | 0.31% | 0.14% | 0.23% | 0.47% | 0.44% | 0.50% | 0.43% |
| ▃▁▂▂▆▇██ | Tang. Book Value ($M) | $24 | $21 | $23 | $23 | $27 | $28 | $29 | $30 |
| ▁▄▃▄▅█▇▇ | Gross Loans ($M) | $131 | $137 | $135 | $138 | $140 | $147 | $144 | $143 |
| ▁▁▃▆▅▇██ | Total Deposits ($M) | $207 | $207 | $215 | $225 | $222 | $228 | $234 | $234 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 73% |
| C&I / Commercial | 13% |
| Agricultural | 13% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 7% |