Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.48% | +0.35 | 1.13% |
| Return on Equity (%) | ▲ | 16.07% | +3.53 | 12.54% |
| Net Interest Margin (%) | ▲ | 4.66% | +0.09 | 4.57% |
| Efficiency Ratio (%) | ▲ | 52.19% | -4.58 | 56.77% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.39 | $1 |
| Cost of Funds (%) | ▲ | 1.71% | -0.17 | 1.88% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $345 | +29.54 | $316 |
| Gross Loans ($M) | ▲ | $261 | +10.39 | $251 |
| Loan Growth YoY (%) | ▼ | 82.67% | -4.45 | 87.11% |
| Total Deposits ($M) | ▲ | $312 | +28.87 | $283 |
| Shareholders Equity ($M) | ▲ | $32 | +3.61 | $28 |
| Tang. Book Value ($M) | ▲ | $32 | +3.61 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $33 | +4.10 | $29 |
| Loan / Deposit Ratio (%) | ▼ | 82.67% | -4.45 | 87.11% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.59% | -0.88 | 2.47% |
| Allowance / Loans (%) | — | 1.39% | -0.42% | 1.81% |
| Net Charge-Off Ratio (%) | ▲ | 1.74% | -0.73 | 2.46% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▄▆█▇█ | Net Interest Margin (%) | 4.65% | 4.66% | 4.50% | 4.57% | 4.61% | 4.66% | 4.63% | 4.66% |
| ▃▁▃▂▂▃██ | Return on Assets (%) | 1.18% | 1.06% | 1.21% | 1.13% | 1.14% | 1.20% | 1.50% | 1.48% |
| ██▅▆▇▇▁▁ | Efficiency Ratio (%) | 59.8% | 59.5% | 56.1% | 56.8% | 58.3% | 57.8% | 51.3% | 52.2% |
| ▃▆▄▆█▄▁▁ | Cost of Funds (%) | 1.79% | 1.88% | 1.82% | 1.88% | 1.97% | 1.82% | 1.71% | 1.71% |
| █▇▇▆▇▃▁▁ | NPA / Assets (%) | 2.81% | 2.64% | 2.60% | 2.47% | 2.53% | 1.96% | 1.73% | 1.59% |
| █▅▅▄▅▂▁▁ | Net Charge-Off Ratio (%) | 3.30% | 2.61% | 2.59% | 2.46% | 2.57% | 1.99% | 1.84% | 1.74% |
| ▁▁▂▃▄▆▇█ | Tang. Book Value ($M) | $27 | $27 | $28 | $28 | $29 | $30 | $31 | $32 |
| ▁▁▁▄▇▇█▇ | Gross Loans ($M) | $244 | $242 | $243 | $251 | $262 | $261 | $265 | $261 |
| ▁▂▃▄▃▅██ | Total Deposits ($M) | $261 | $271 | $277 | $283 | $278 | $292 | $310 | $312 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 64% |
| C&I / Commercial | 14% |
| Agricultural | 16% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 9% |