Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.57% | +0.94 | 1.63% |
| Return on Equity (%) | ▲ | 19.66% | +6.27 | 13.39% |
| Net Interest Margin (%) | ▲ | 5.39% | +1.41 | 3.99% |
| Efficiency Ratio (%) | ▲ | 36.07% | -11.76 | 47.83% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.29 | $1 |
| Cost of Funds (%) | ▲ | 1.30% | -0.10 | 1.40% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $232 | +16.00 | $216 |
| Gross Loans ($M) | ▲ | $177 | +17.79 | $159 |
| Loan Growth YoY (%) | ▲ | 89.20% | +3.04 | 86.16% |
| Total Deposits ($M) | ▲ | $196 | +13.59 | $182 |
| Shareholders Equity ($M) | ▲ | $31 | +3.70 | $27 |
| Tang. Book Value ($M) | ▲ | $26 | +3.77 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +3.64 | $24 |
| Loan / Deposit Ratio (%) | ▲ | 89.20% | +3.04 | 86.16% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.01% | -0.57 | 0.58% |
| Allowance / Loans (%) | — | 1.18% | -0.05% | 1.22% |
| Net Charge-Off Ratio (%) | ▲ | 0.01% | -0.78 | 0.79% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.49% | +0.52 | 12.97% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▂▂█▆ | Net Interest Margin (%) | 3.56% | 3.55% | 3.84% | 3.99% | 4.02% | 4.03% | 6.26% | 5.39% |
| ▁▁▂▂▂▂█▆ | Return on Assets (%) | 1.28% | 1.27% | 1.52% | 1.63% | 1.62% | 1.62% | 3.17% | 2.57% |
| ███▇▇▇▁▂ | Efficiency Ratio (%) | 51.7% | 52.0% | 49.8% | 47.8% | 47.7% | 48.5% | 31.6% | 36.1% |
| ██▃▂▄▄▁▁ | Cost of Funds (%) | 1.91% | 1.88% | 1.48% | 1.40% | 1.54% | 1.57% | 1.34% | 1.30% |
| ▃▃▃█▂▂▁▁ | NPA / Assets (%) | 0.18% | 0.20% | 0.16% | 0.58% | 0.10% | 0.12% | 0.04% | 0.01% |
| ▃▃▃█▂▂▁▁ | Net Charge-Off Ratio (%) | 0.25% | 0.28% | 0.22% | 0.79% | 0.14% | 0.17% | 0.05% | 0.01% |
| ▁▁▂▃▄▅▇█ | Tang. Book Value ($M) | $21 | $21 | $22 | $22 | $23 | $24 | $25 | $26 |
| ▂▂▁▁▆▄▆█ | Gross Loans ($M) | $162 | $161 | $158 | $159 | $171 | $166 | $171 | $177 |
| ▂▇▃▁▃█▆▇ | Total Deposits ($M) | $186 | $195 | $186 | $182 | $188 | $199 | $195 | $196 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 36% |
| C&I / Commercial | 13% |
| Agricultural | 47% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 10% |