Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.13% | +0.24 | 0.89% |
| Return on Equity (%) | ▲ | 11.68% | +2.10 | 9.58% |
| Net Interest Margin (%) | ▲ | 2.95% | +0.33 | 2.62% |
| Efficiency Ratio (%) | ▲ | 58.79% | -6.50 | 65.29% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.17 | $0 |
| Cost of Funds (%) | ▲ | 1.98% | -0.26 | 2.25% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $182 | -1.04 | $183 |
| Gross Loans ($M) | ▲ | $124 | +3.17 | $121 |
| Loan Growth YoY (%) | ▲ | 90.14% | +1.10 | 89.04% |
| Total Deposits ($M) | ▲ | $136 | +1.78 | $134 |
| Shareholders Equity ($M) | ▲ | $18 | +0.55 | $18 |
| Tang. Book Value ($M) | ▲ | $18 | +0.55 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +0.45 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 90.14% | +1.10 | 89.04% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.08% | -0.52 | 0.60% |
| Allowance / Loans (%) | — | 0.87% | 0.05% | 0.82% |
| Net Charge-Off Ratio (%) | ▲ | 0.11% | -0.80 | 0.91% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▅██ | Net Interest Margin (%) | 2.32% | 2.39% | 2.54% | 2.62% | 2.66% | 2.69% | 2.88% | 2.95% |
| ▁▁▄▄▄▃▇█ | Return on Assets (%) | 0.67% | 0.70% | 0.88% | 0.89% | 0.87% | 0.83% | 1.04% | 1.13% |
| ██▅▅▅▆▂▁ | Efficiency Ratio (%) | 70.5% | 70.1% | 65.6% | 65.3% | 66.0% | 66.8% | 61.4% | 58.8% |
| ▇▁▅█▆▃▂▁ | Cost of Funds (%) | 2.19% | 1.95% | 2.13% | 2.25% | 2.14% | 2.06% | 2.00% | 1.98% |
| ▁▁▃▅█▅▃▁ | NPA / Assets (%) | 0.02% | 0.03% | 0.40% | 0.60% | 1.06% | 0.58% | 0.36% | 0.08% |
| ▁▁▃▅█▅▃▁ | Net Charge-Off Ratio (%) | 0.03% | 0.05% | 0.61% | 0.91% | 1.61% | 0.87% | 0.52% | 0.11% |
| ▁▂▁▃▃▄▆█ | Tang. Book Value ($M) | $18 | $18 | $18 | $18 | $18 | $18 | $18 | $18 |
| ▁▅▆▄▅▆█▅ | Gross Loans ($M) | $113 | $122 | $126 | $121 | $122 | $126 | $132 | $124 |
| ▁▆▅▃▃█▇▄ | Total Deposits ($M) | $130 | $140 | $140 | $134 | $135 | $146 | $143 | $136 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 52% |
| C&I / Commercial | 13% |
| Agricultural | 29% |
| Consumer | 1% |
| Other | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 7% |