Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.13% | +0.19 | 0.94% |
| Return on Equity (%) | ▼ | 15.19% | -1.20 | 16.39% |
| Net Interest Margin (%) | ▲ | 3.61% | +0.36 | 3.26% |
| Efficiency Ratio (%) | ▲ | 70.48% | -2.58 | 73.06% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.14 | $1 |
| Cost of Funds (%) | ▲ | 1.39% | -0.26 | 1.65% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $312 | +10.46 | $302 |
| Gross Loans ($M) | ▲ | $195 | +3.99 | $191 |
| Loan Growth YoY (%) | ▲ | 76.39% | +1.27 | 75.12% |
| Total Deposits ($M) | ▲ | $252 | +1.02 | $251 |
| Shareholders Equity ($M) | ▲ | $24 | +4.64 | $19 |
| Tang. Book Value ($M) | ▲ | $24 | +4.64 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +4.86 | $24 |
| Loan / Deposit Ratio (%) | ▲ | 76.39% | +1.27 | 75.12% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.61% | +1.51 | 0.11% |
| Allowance / Loans (%) | — | 1.10% | -0.01% | 1.11% |
| Net Charge-Off Ratio (%) | ▼ | 2.31% | +2.15 | 0.17% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.54% | +0.45 | 16.09% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▅▆██ | Net Interest Margin (%) | 3.04% | 3.06% | 3.14% | 3.26% | 3.39% | 3.44% | 3.54% | 3.61% |
| ▁▂▁▄▇█▆█ | Return on Assets (%) | 0.85% | 0.89% | 0.81% | 0.94% | 1.09% | 1.13% | 1.04% | 1.13% |
| ▆▅█▅▁▁▄▂ | Efficiency Ratio (%) | 73.8% | 73.2% | 75.6% | 73.1% | 70.3% | 69.6% | 72.3% | 70.5% |
| ▇█▆▅▅▃▁▁ | Cost of Funds (%) | 1.77% | 1.84% | 1.71% | 1.65% | 1.63% | 1.54% | 1.43% | 1.39% |
| ▁▁▁▁▂▂▂█ | NPA / Assets (%) | 0.01% | 0.00% | 0.05% | 0.11% | 0.23% | 0.32% | 0.26% | 1.61% |
| ▁▁▁▁▂▂▂█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.09% | 0.17% | 0.37% | 0.51% | 0.42% | 2.31% |
| ▄▁▂▄▆█▇█ | Tang. Book Value ($M) | $19 | $15 | $18 | $19 | $22 | $23 | $23 | $24 |
| ▄▁▂▃▅▇██ | Gross Loans ($M) | $191 | $189 | $190 | $191 | $192 | $194 | $194 | $195 |
| ▂▁▁▁█▇▅▂ | Total Deposits ($M) | $252 | $251 | $250 | $251 | $258 | $256 | $255 | $252 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 10% |
| Agricultural | 4% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 9% |