Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.69% | +0.47 | 1.22% |
| Return on Equity (%) | ▲ | 13.16% | +2.64 | 10.52% |
| Net Interest Margin (%) | ▲ | 4.24% | +0.15 | 4.09% |
| Efficiency Ratio (%) | ▲ | 60.26% | -6.01 | 66.28% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.60 | $2 |
| Cost of Funds (%) | ▲ | 0.68% | -0.06 | 0.74% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $451 | +26.41 | $424 |
| Gross Loans ($M) | ▼ | $224 | -11.03 | $235 |
| Loan Growth YoY (%) | ▼ | 57.78% | -5.89 | 63.67% |
| Total Deposits ($M) | ▲ | $382 | +18.03 | $364 |
| Shareholders Equity ($M) | ▲ | $59 | +7.01 | $52 |
| Tang. Book Value ($M) | ▲ | $55 | +7.01 | $48 |
| TBV excl. AOCI ($M)** | ▲ | $64 | +8.97 | $55 |
| Loan / Deposit Ratio (%) | ▼ | 57.78% | -5.89 | 63.67% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.11 | 0.12% |
| Allowance / Loans (%) | — | 1.52% | 0.08% | 1.45% |
| Net Charge-Off Ratio (%) | ▲ | 0.01% | -0.21 | 0.22% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▁▁▃▂█ | Net Interest Margin (%) | 4.08% | 4.08% | 4.10% | 4.09% | 4.10% | 4.13% | 4.11% | 4.24% |
| ▅▆▁▁▁▄██ | Return on Assets (%) | 1.51% | 1.56% | 1.25% | 1.22% | 1.28% | 1.44% | 1.75% | 1.69% |
| ▃▁██▆▃▃▁ | Efficiency Ratio (%) | 62.3% | 61.0% | 65.8% | 66.3% | 64.4% | 62.5% | 62.4% | 60.3% |
| ▁▅▄█▆▆▂▃ | Cost of Funds (%) | 0.66% | 0.71% | 0.69% | 0.74% | 0.72% | 0.72% | 0.67% | 0.68% |
| ▃▅▆█▆▇▁▁ | NPA / Assets (%) | 0.04% | 0.07% | 0.09% | 0.12% | 0.08% | 0.10% | 0.01% | 0.00% |
| ▃▅▆█▆▇▁▁ | Net Charge-Off Ratio (%) | 0.08% | 0.13% | 0.16% | 0.22% | 0.15% | 0.18% | 0.02% | 0.01% |
| ▂▁▂▃▅▇▇█ | Tang. Book Value ($M) | $47 | $45 | $46 | $48 | $51 | $54 | $53 | $55 |
| ▃█▄▅▃▁▁▁ | Gross Loans ($M) | $230 | $244 | $234 | $235 | $230 | $226 | $224 | $224 |
| ▃▂▆▁▅▂█▇ | Total Deposits ($M) | $370 | $368 | $380 | $364 | $378 | $370 | $387 | $382 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 5% |
| Agricultural | 25% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 5% |