Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.54% | +0.45 | 1.09% |
| Return on Equity (%) | ▲ | 7.52% | +2.33 | 5.19% |
| Net Interest Margin (%) | ▼ | 3.70% | -0.10 | 3.80% |
| Efficiency Ratio (%) | ▲ | 55.74% | -6.06 | 61.81% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $1 |
| Cost of Funds (%) | ▲ | 2.15% | -0.08 | 2.23% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $188 | +5.97 | $182 |
| Gross Loans ($M) | ▲ | $128 | +6.00 | $122 |
| Loan Growth YoY (%) | ▲ | 86.13% | +0.83 | 85.30% |
| Total Deposits ($M) | ▲ | $148 | +5.59 | $142 |
| Shareholders Equity ($M) | ▲ | $40 | +1.31 | $38 |
| Tang. Book Value ($M) | ▲ | $40 | +1.31 | $38 |
| TBV excl. AOCI ($M)** | ▲ | $42 | +1.14 | $41 |
| Loan / Deposit Ratio (%) | ▲ | 86.13% | +0.83 | 85.30% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.26% | -0.02 | 0.28% |
| Allowance / Loans (%) | — | 1.04% | -0.05% | 1.09% |
| Net Charge-Off Ratio (%) | ▲ | 0.37% | -0.04 | 0.42% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▁██▇▃▁▅ | Net Interest Margin (%) | 3.62% | 3.51% | 3.84% | 3.80% | 3.76% | 3.61% | 3.51% | 3.70% |
| ▁▂▂▂▂▁█▇ | Return on Assets (%) | 0.99% | 1.08% | 1.10% | 1.09% | 1.08% | 1.05% | 1.69% | 1.54% |
| █▇▆▇▇█▁▂ | Efficiency Ratio (%) | 63.2% | 62.4% | 61.2% | 61.8% | 61.9% | 63.6% | 54.5% | 55.7% |
| █▃▅▃█▄▁▁ | Cost of Funds (%) | 2.42% | 2.25% | 2.32% | 2.23% | 2.40% | 2.28% | 2.18% | 2.15% |
| █▅▆▄▅▂▁▂ | NPA / Assets (%) | 0.33% | 0.28% | 0.29% | 0.28% | 0.29% | 0.25% | 0.23% | 0.26% |
| █▇▆▃▄▃▁▁ | Net Charge-Off Ratio (%) | 0.50% | 0.48% | 0.45% | 0.42% | 0.43% | 0.41% | 0.38% | 0.37% |
| ▂▂▁▂▆█▆█ | Tang. Book Value ($M) | $38 | $38 | $38 | $38 | $39 | $40 | $39 | $40 |
| ▁▁▁▆▅▄▅█ | Gross Loans ($M) | $113 | $112 | $112 | $122 | $121 | $119 | $121 | $128 |
| ▁▇▁▄▃██▆ | Total Deposits ($M) | $133 | $151 | $133 | $142 | $139 | $155 | $154 | $148 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 12% |
| Agricultural | 11% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 37% |
| Interest-Bearing (core) | 45% |
| Brokered / Other | 18% |