Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.34% | +0.18 | 2.16% |
| Return on Equity (%) | ▼ | 24.83% | -0.07 | 24.90% |
| Net Interest Margin (%) | ▲ | 4.73% | +0.25 | 4.48% |
| Efficiency Ratio (%) | ▼ | 52.80% | +0.31 | 52.48% |
| Pre-Provision Profit ($M) | ▲ | $5 | +0.40 | $4 |
| Cost of Funds (%) | ▲ | 1.41% | -0.16 | 1.57% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $662 | -3.19 | $665 |
| Gross Loans ($M) | ▲ | $510 | +11.35 | $499 |
| Loan Growth YoY (%) | ▲ | 85.06% | +2.89 | 82.17% |
| Total Deposits ($M) | ▼ | $592 | -6.91 | $599 |
| Shareholders Equity ($M) | ▲ | $64 | +4.59 | $59 |
| Tang. Book Value ($M) | ▲ | $64 | +4.59 | $59 |
| TBV excl. AOCI ($M)** | ▲ | $67 | +4.26 | $63 |
| Loan / Deposit Ratio (%) | ▲ | 85.06% | +2.89 | 82.17% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.17% | +0.15 | 0.02% |
| Allowance / Loans (%) | — | 1.25% | -0.05% | 1.29% |
| Net Charge-Off Ratio (%) | ▼ | 0.19% | +0.17 | 0.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▅▅▆▇█ | Net Interest Margin (%) | 4.21% | 4.28% | 4.37% | 4.48% | 4.53% | 4.59% | 4.65% | 4.73% |
| ▁▂▃▅▆▇▃█ | Return on Assets (%) | 1.89% | 1.96% | 2.02% | 2.16% | 2.21% | 2.27% | 2.02% | 2.34% |
| ▃▃▃▁▁▁█▂ | Efficiency Ratio (%) | 53.2% | 53.3% | 53.5% | 52.5% | 51.8% | 51.8% | 57.2% | 52.8% |
| ██▅▃▃▂▁▁ | Cost of Funds (%) | 1.90% | 1.85% | 1.70% | 1.57% | 1.54% | 1.49% | 1.46% | 1.41% |
| ▃▁▁▁▂█▄▇ | NPA / Assets (%) | 0.06% | 0.00% | 0.00% | 0.02% | 0.03% | 0.21% | 0.09% | 0.17% |
| ▁▁▁▁▂█▄▆ | Net Charge-Off Ratio (%) | 0.01% | 0.01% | 0.00% | 0.02% | 0.05% | 0.27% | 0.11% | 0.19% |
| ▃▁▂▄▇▆▇█ | Tang. Book Value ($M) | $58 | $56 | $58 | $59 | $63 | $62 | $62 | $64 |
| ▂▁▄▂▃▄█▇ | Gross Loans ($M) | $497 | $494 | $503 | $499 | $500 | $504 | $515 | $510 |
| █▂▄▂▄▁▂▁ | Total Deposits ($M) | $625 | $597 | $607 | $599 | $605 | $596 | $599 | $592 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 10% |
| Agricultural | 2% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 10% |