Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.21% | -0.06 | 1.27% |
| Return on Equity (%) | ▼ | 14.50% | -2.29 | 16.79% |
| Net Interest Margin (%) | ▲ | 3.99% | +0.09 | 3.90% |
| Efficiency Ratio (%) | ▲ | 62.18% | -0.84 | 63.02% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.07 | $1 |
| Cost of Funds (%) | ▼ | 2.47% | +0.12 | 2.35% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $269 | +23.24 | $245 |
| Gross Loans ($M) | ▲ | $235 | +26.50 | $209 |
| Loan Growth YoY (%) | ▼ | 111.90% | -3.26 | 115.16% |
| Total Deposits ($M) | ▲ | $208 | +28.29 | $180 |
| Shareholders Equity ($M) | ▲ | $24 | +5.61 | $19 |
| Tang. Book Value ($M) | ▲ | $23 | +5.61 | $18 |
| Loan / Deposit Ratio (%) | ▼ | 111.90% | -3.26 | 115.16% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.38% | +1.21 | 0.17% |
| Allowance / Loans (%) | — | 0.84% | 0.24% | 0.60% |
| Net Charge-Off Ratio (%) | ▼ | 1.57% | +1.37 | 0.20% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.29% | +1.88 | 10.41% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁█▇████ | Net Interest Margin (%) | 3.38% | 3.41% | 3.93% | 3.90% | 3.93% | 3.96% | 3.97% | 3.99% |
| ▁▁▆▇█▇▇▆ | Return on Assets (%) | 0.87% | 0.92% | 1.21% | 1.27% | 1.37% | 1.29% | 1.25% | 1.21% |
| ██▅▃▁▁▂▂ | Efficiency Ratio (%) | 70.1% | 69.5% | 65.7% | 63.0% | 60.8% | 60.0% | 61.3% | 62.2% |
| ▆█▁▁▅▃▁▂ | Cost of Funds (%) | 2.73% | 2.91% | 2.36% | 2.35% | 2.68% | 2.54% | 2.40% | 2.47% |
| ▁▁▁▁▁▁██ | NPA / Assets (%) | 0.11% | 0.08% | 0.07% | 0.17% | 0.10% | 0.16% | 1.24% | 1.38% |
| ▁▁▁▁▁▁▇█ | Net Charge-Off Ratio (%) | 0.13% | 0.10% | 0.08% | 0.20% | 0.11% | 0.18% | 1.38% | 1.57% |
| ▁▁▁▃▄▄▅█ | Tang. Book Value ($M) | $16 | $16 | $16 | $18 | $19 | $19 | $20 | $23 |
| ▁▁▂▄▆▇██ | Gross Loans ($M) | $187 | $191 | $197 | $209 | $221 | $227 | $233 | $235 |
| ▁▁▂▄▄▅▅█ | Total Deposits ($M) | $163 | $166 | $174 | $180 | $184 | $188 | $191 | $208 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 56% |
| C&I / Commercial | 20% |
| Agricultural | 18% |
| Consumer | 5% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 18% |