Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.29% | +0.34 | 0.95% |
| Return on Equity (%) | ▲ | 12.50% | +2.85 | 9.65% |
| Net Interest Margin (%) | ▲ | 5.00% | +0.35 | 4.65% |
| Efficiency Ratio (%) | ▲ | 62.14% | -6.13 | 68.27% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.27 | $1 |
| Cost of Funds (%) | ▼ | 1.44% | +0.03 | 1.41% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $143 | +7.72 | $136 |
| Gross Loans ($M) | ▲ | $122 | +14.21 | $108 |
| Loan Growth YoY (%) | ▲ | 95.17% | +4.83 | 90.34% |
| Total Deposits ($M) | ▲ | $127 | +8.73 | $118 |
| Shareholders Equity ($M) | ▲ | $15 | +1.33 | $14 |
| Tang. Book Value ($M) | ▲ | $13 | +1.32 | $12 |
| Loan / Deposit Ratio (%) | ▲ | 95.17% | +4.83 | 90.34% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.32% | +0.66 | 0.66% |
| Allowance / Loans (%) | — | 1.08% | 0.04% | 1.04% |
| Net Charge-Off Ratio (%) | ▼ | 1.55% | +0.72 | 0.83% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 11.25% | +0.05 | 11.20% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆▇█ | Net Interest Margin (%) | 4.19% | 4.21% | 4.56% | 4.65% | 4.77% | 4.79% | 4.80% | 5.00% |
| ▁▁▂▄▅▇▅█ | Return on Assets (%) | 0.78% | 0.72% | 0.83% | 0.95% | 1.02% | 1.15% | 1.05% | 1.29% |
| ██▅▄▃▃▃▁ | Efficiency Ratio (%) | 75.8% | 77.7% | 71.7% | 68.3% | 67.0% | 66.1% | 67.6% | 62.1% |
| █▃▁▁▂▃▁▂ | Cost of Funds (%) | 1.81% | 1.51% | 1.38% | 1.41% | 1.46% | 1.52% | 1.42% | 1.44% |
| ▄▇▁▁█▅▃▃ | NPA / Assets (%) | 1.53% | 2.14% | 0.73% | 0.66% | 2.46% | 1.76% | 1.19% | 1.32% |
| ▅█▁▁█▅▃▃ | Net Charge-Off Ratio (%) | 1.97% | 2.78% | 0.93% | 0.83% | 2.99% | 2.13% | 1.47% | 1.55% |
| ▁▁▁▃▅▇▇█ | Tang. Book Value ($M) | $11 | $11 | $11 | $12 | $12 | $13 | $12 | $13 |
| ▁▁▁▂▅▆▆█ | Gross Loans ($M) | $104 | $104 | $105 | $108 | $113 | $116 | $116 | $122 |
| ▁▅▄▃▄▇██ | Total Deposits ($M) | $113 | $121 | $119 | $118 | $119 | $125 | $128 | $127 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 8% |
| Agricultural | 6% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 4% |