Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.24% | +0.14 | 1.10% |
| Return on Equity (%) | ▲ | 11.40% | +0.51 | 10.89% |
| Net Interest Margin (%) | ▲ | 3.86% | +0.20 | 3.65% |
| Efficiency Ratio (%) | ▲ | 60.40% | -3.57 | 63.97% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.09 | $1 |
| Cost of Funds (%) | ▲ | 1.45% | -0.16 | 1.62% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $148 | +7.96 | $140 |
| Gross Loans ($M) | ▲ | $74 | +0.95 | $73 |
| Loan Growth YoY (%) | ▼ | 55.45% | -2.17 | 57.63% |
| Total Deposits ($M) | ▲ | $131 | +6.49 | $125 |
| Shareholders Equity ($M) | ▲ | $16 | +1.40 | $14 |
| Tang. Book Value ($M) | ▲ | $16 | +1.40 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +1.64 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 55.45% | -2.17 | 57.63% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.68% | -0.05 | 0.73% |
| Allowance / Loans (%) | — | 1.46% | 0.07% | 1.40% |
| Net Charge-Off Ratio (%) | ▲ | 1.00% | -0.40 | 1.40% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆███ | Net Interest Margin (%) | 3.33% | 3.39% | 3.58% | 3.65% | 3.72% | 3.80% | 3.84% | 3.86% |
| ▁▂▂▆▅▃██ | Return on Assets (%) | 0.71% | 0.81% | 0.80% | 1.10% | 1.05% | 0.87% | 1.26% | 1.24% |
| █▆▆▃▄█▂▁ | Efficiency Ratio (%) | 69.1% | 67.0% | 67.0% | 64.0% | 64.1% | 70.3% | 61.6% | 60.4% |
| ▇█▆▅▄▃▁▁ | Cost of Funds (%) | 1.71% | 1.75% | 1.64% | 1.62% | 1.57% | 1.56% | 1.48% | 1.45% |
| █▁▄▆▆▄▆▅ | NPA / Assets (%) | 0.90% | 0.45% | 0.64% | 0.73% | 0.77% | 0.65% | 0.76% | 0.68% |
| ▆▁▅██▅█▃ | Net Charge-Off Ratio (%) | 1.29% | 0.81% | 1.18% | 1.40% | 1.45% | 1.21% | 1.46% | 1.00% |
| ▁▁▂▄▆▇██ | Tang. Book Value ($M) | $13 | $13 | $14 | $14 | $15 | $15 | $16 | $16 |
| ▅▆▇▁███▆ | Gross Loans ($M) | $74 | $74 | $74 | $73 | $74 | $74 | $74 | $74 |
| ▁▁▃▄▄▄▅█ | Total Deposits ($M) | $119 | $120 | $123 | $125 | $125 | $124 | $127 | $131 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 13% |
| Agricultural | 4% |
| Consumer | 7% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 9% |