Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.06% | -0.24 | 2.30% |
| Return on Equity (%) | ▼ | 15.20% | -1.98 | 17.18% |
| Net Interest Margin (%) | ▼ | 3.90% | -0.14 | 4.03% |
| Efficiency Ratio (%) | ▲ | 42.85% | -1.28 | 44.13% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.09 | $1 |
| Cost of Funds (%) | ▲ | 1.08% | -0.07 | 1.15% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $174 | +13.55 | $161 |
| Gross Loans ($M) | ▲ | $59 | +1.08 | $58 |
| Loan Growth YoY (%) | ▼ | 38.79% | -2.48 | 41.27% |
| Total Deposits ($M) | ▲ | $148 | +11.42 | $137 |
| Shareholders Equity ($M) | ▲ | $24 | +2.01 | $22 |
| Tang. Book Value ($M) | ▲ | $24 | +2.01 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +2.04 | $25 |
| Loan / Deposit Ratio (%) | ▼ | 38.79% | -2.48 | 41.27% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.71% | -0.03 | 0.74% |
| Allowance / Loans (%) | — | 1.96% | 0.03% | 1.93% |
| Net Charge-Off Ratio (%) | ▲ | 1.90% | -0.17 | 2.07% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▂▃▂▂▁▁ | Net Interest Margin (%) | 4.42% | 4.32% | 3.99% | 4.03% | 3.99% | 3.97% | 3.86% | 3.90% |
| █▇▄▃▄▃▃▁ | Return on Assets (%) | 2.76% | 2.67% | 2.36% | 2.30% | 2.33% | 2.26% | 2.30% | 2.06% |
| ▁▁▆█▇▆▅▆ | Efficiency Ratio (%) | 39.1% | 39.4% | 42.4% | 44.1% | 43.1% | 42.4% | 41.8% | 42.8% |
| █▆▅▆▅▄▁▃ | Cost of Funds (%) | 1.20% | 1.15% | 1.11% | 1.15% | 1.13% | 1.11% | 1.02% | 1.08% |
| ▁▁▂▇█▅▄▇ | NPA / Assets (%) | 0.25% | 0.23% | 0.31% | 0.74% | 0.83% | 0.60% | 0.48% | 0.71% |
| ▁▁▂▇█▆▃▆ | Net Charge-Off Ratio (%) | 0.63% | 0.62% | 0.88% | 2.07% | 2.39% | 1.74% | 1.27% | 1.90% |
| ▁▁▂▄▆▇██ | Tang. Book Value ($M) | $21 | $21 | $22 | $22 | $23 | $24 | $24 | $24 |
| ▄▁▆▁▃█▅▄ | Gross Loans ($M) | $59 | $58 | $59 | $58 | $58 | $60 | $59 | $59 |
| ▁▂▄▃▄▆█▆ | Total Deposits ($M) | $128 | $135 | $143 | $137 | $143 | $148 | $159 | $148 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 42% |
| C&I / Commercial | 15% |
| Agricultural | 32% |
| Consumer | 10% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 37% |
| Interest-Bearing (core) | 43% |
| Brokered / Other | 20% |