Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.70% | +0.26 | 1.44% |
| Return on Equity (%) | ▼ | 19.33% | -0.05 | 19.38% |
| Net Interest Margin (%) | ▲ | 4.45% | +0.25 | 4.19% |
| Efficiency Ratio (%) | ▲ | 55.69% | -5.51 | 61.20% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.32 | $1 |
| Cost of Funds (%) | ▲ | 1.49% | -0.26 | 1.75% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $289 | +22.36 | $266 |
| Gross Loans ($M) | ▲ | $181 | +12.30 | $169 |
| Loan Growth YoY (%) | ▲ | 77.38% | +0.23 | 77.15% |
| Total Deposits ($M) | ▲ | $231 | +15.06 | $216 |
| Shareholders Equity ($M) | ▲ | $25 | +5.05 | $20 |
| Tang. Book Value ($M) | ▲ | $25 | +5.12 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +5.21 | $23 |
| Loan / Deposit Ratio (%) | ▲ | 77.38% | +0.23 | 77.15% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.33% | +0.31 | 0.03% |
| Allowance / Loans (%) | — | 1.11% | 0.00% | 1.10% |
| Net Charge-Off Ratio (%) | ▼ | 0.53% | +0.49 | 0.04% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▆▆▆▇██ | Net Interest Margin (%) | 3.76% | 3.83% | 4.19% | 4.19% | 4.25% | 4.29% | 4.41% | 4.45% |
| ▁▂▅▆▆▇██ | Return on Assets (%) | 0.92% | 1.05% | 1.38% | 1.44% | 1.48% | 1.54% | 1.72% | 1.70% |
| █▇▄▃▃▂▁▁ | Efficiency Ratio (%) | 71.2% | 68.6% | 62.1% | 61.2% | 60.7% | 59.2% | 55.9% | 55.7% |
| ██▆▇▆▅▂▁ | Cost of Funds (%) | 1.79% | 1.82% | 1.72% | 1.75% | 1.70% | 1.67% | 1.55% | 1.49% |
| ▃▁▁▁▂▆██ | NPA / Assets (%) | 0.12% | 0.03% | 0.02% | 0.03% | 0.07% | 0.26% | 0.36% | 0.33% |
| ▃▁▁▁▂▆██ | Net Charge-Off Ratio (%) | 0.19% | 0.05% | 0.04% | 0.04% | 0.11% | 0.40% | 0.55% | 0.53% |
| ▂▁▂▃▅▇▇█ | Tang. Book Value ($M) | $19 | $18 | $19 | $20 | $22 | $23 | $23 | $25 |
| ▁▂▄▄▄▇██ | Gross Loans ($M) | $156 | $161 | $166 | $169 | $166 | $177 | $182 | $181 |
| ▁▃▄▅▄▅▆█ | Total Deposits ($M) | $201 | $209 | $215 | $216 | $213 | $218 | $223 | $231 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 14% |
| Agricultural | 17% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 13% |