Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.32% | -0.14 | 1.46% |
| Return on Equity (%) | ▼ | 7.56% | -0.66 | 8.22% |
| Net Interest Margin (%) | ▼ | 4.90% | -0.49 | 5.39% |
| Efficiency Ratio (%) | ▼ | 72.47% | +0.57 | 71.90% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.02 | $1 |
| Cost of Funds (%) | ▲ | 1.87% | -0.08 | 1.95% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $151 | +2.33 | $148 |
| Gross Loans ($M) | ▲ | $107 | +17.41 | $90 |
| Loan Growth YoY (%) | ▲ | 85.97% | +14.05 | 71.92% |
| Total Deposits ($M) | ▲ | $123 | +0.32 | $123 |
| Shareholders Equity ($M) | ▲ | $26 | +1.14 | $25 |
| Tang. Book Value ($M) | ▲ | $24 | +1.14 | $23 |
| Loan / Deposit Ratio (%) | ▲ | 85.97% | +14.05 | 71.92% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.16% | -0.35 | 0.51% |
| Allowance / Loans (%) | — | 1.39% | -0.37% | 1.76% |
| Net Charge-Off Ratio (%) | ▲ | 0.23% | -0.62 | 0.84% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▃▃▄▃▁▁ | Net Interest Margin (%) | 6.66% | 6.46% | 5.28% | 5.39% | 5.50% | 5.38% | 4.74% | 4.90% |
| █▇▂▂▃▂▁▁ | Return on Assets (%) | 2.31% | 2.07% | 1.33% | 1.46% | 1.56% | 1.42% | 1.18% | 1.32% |
| ▁▂█▇▆▇█▇ | Efficiency Ratio (%) | 63.5% | 66.2% | 73.8% | 71.9% | 70.5% | 72.8% | 74.6% | 72.5% |
| █▁▁▄▆▄▁▁ | Cost of Funds (%) | 2.15% | 1.84% | 1.87% | 1.95% | 2.04% | 1.95% | 1.83% | 1.87% |
| █▁▁█▆▁▁▃ | NPA / Assets (%) | 0.53% | 0.00% | 0.04% | 0.51% | 0.38% | 0.04% | 0.06% | 0.16% |
| █▁▁█▇▁▁▃ | Net Charge-Off Ratio (%) | 0.80% | 0.00% | 0.07% | 0.84% | 0.65% | 0.06% | 0.09% | 0.23% |
| ▁▂▄▄▆▇██ | Tang. Book Value ($M) | $22 | $22 | $23 | $23 | $23 | $24 | $24 | $24 |
| ▁▂▂▃▁▃▅█ | Gross Loans ($M) | $83 | $88 | $86 | $90 | $85 | $91 | $96 | $107 |
| ▁▃▅▇▆▆█▇ | Total Deposits ($M) | $98 | $108 | $115 | $123 | $119 | $119 | $129 | $123 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 10% |
| Agricultural | 11% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 50% |
| Brokered / Other | 21% |