Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.06% | +0.14 | 0.92% |
| Return on Equity (%) | ▲ | 8.86% | +0.74 | 8.12% |
| Net Interest Margin (%) | ▲ | 4.07% | +0.10 | 3.97% |
| Efficiency Ratio (%) | ▲ | 64.79% | -2.60 | 67.38% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▲ | 1.72% | -0.24 | 1.96% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $162 | +5.30 | $157 |
| Gross Loans ($M) | ▲ | $116 | +15.83 | $100 |
| Loan Growth YoY (%) | ▲ | 90.32% | +9.47 | 80.85% |
| Total Deposits ($M) | ▲ | $124 | +3.39 | $121 |
| Shareholders Equity ($M) | ▲ | $19 | +0.84 | $18 |
| Tang. Book Value ($M) | ▲ | $19 | +0.84 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +0.40 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 90.32% | +9.47 | 80.85% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 5.57% | +5.02 | 0.54% |
| Allowance / Loans (%) | — | 2.87% | 0.86% | 2.01% |
| Net Charge-Off Ratio (%) | ▼ | 7.82% | +7.56 | 0.26% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▇████ | Net Interest Margin (%) | 3.59% | 3.68% | 3.87% | 3.97% | 4.05% | 4.05% | 4.09% | 4.07% |
| ▁▄▆▆█▃██ | Return on Assets (%) | 0.52% | 0.74% | 0.92% | 0.92% | 1.08% | 0.71% | 1.01% | 1.06% |
| █▆▃▂▁▁▂▁ | Efficiency Ratio (%) | 81.0% | 76.1% | 69.0% | 67.4% | 64.1% | 64.0% | 66.6% | 64.8% |
| █▇▄▆▅▆▁▂ | Cost of Funds (%) | 2.10% | 2.02% | 1.85% | 1.96% | 1.92% | 1.96% | 1.64% | 1.72% |
| ▁▁▁▁▁▆▆█ | NPA / Assets (%) | 0.46% | 0.53% | 0.47% | 0.54% | 0.52% | 4.16% | 4.01% | 5.57% |
| ▁▁▁▁▁▆▆█ | Net Charge-Off Ratio (%) | 0.24% | 0.33% | 0.25% | 0.26% | 0.24% | 5.58% | 5.86% | 7.82% |
| ▁▁▁▃██▅▇ | Tang. Book Value ($M) | $17 | $17 | $17 | $18 | $19 | $19 | $18 | $19 |
| ▁▁▃▃▁▄▆█ | Gross Loans ($M) | $92 | $92 | $100 | $100 | $94 | $103 | $107 | $116 |
| ▄▁▅▇▇▃▇█ | Total Deposits ($M) | $117 | $110 | $118 | $121 | $121 | $114 | $122 | $124 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 57% |
| C&I / Commercial | 16% |
| Agricultural | 17% |
| Consumer | 3% |
| Other | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 12% |