Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.85% | +0.30 | 0.54% |
| Return on Equity (%) | ▲ | 7.37% | +2.98 | 4.39% |
| Net Interest Margin (%) | ▲ | 3.36% | +0.10 | 3.26% |
| Efficiency Ratio (%) | ▲ | 55.17% | -8.57 | 63.74% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.12 | $1 |
| Cost of Funds (%) | ▼ | 1.63% | +0.06 | 1.56% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $230 | +8.89 | $221 |
| Gross Loans ($M) | ▲ | $139 | +5.02 | $134 |
| Loan Growth YoY (%) | ▲ | 67.72% | +0.01 | 67.71% |
| Total Deposits ($M) | ▲ | $201 | +6.99 | $194 |
| Shareholders Equity ($M) | ▲ | $27 | +2.01 | $25 |
| Tang. Book Value ($M) | ▲ | $25 | +2.73 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +2.75 | $25 |
| Loan / Deposit Ratio (%) | ▲ | 67.72% | +0.01 | 67.71% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.68% | +0.62 | 0.05% |
| Allowance / Loans (%) | — | 1.74% | 0.13% | 1.61% |
| Net Charge-Off Ratio (%) | ▼ | 1.12% | +1.03 | 0.09% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▇████ | Net Interest Margin (%) | 2.56% | 2.62% | 2.94% | 3.26% | 3.40% | 3.41% | 3.31% | 3.36% |
| ▁▄▁▂▅▄██ | Return on Assets (%) | 0.46% | 0.63% | 0.47% | 0.54% | 0.70% | 0.62% | 0.81% | 0.85% |
| ▇██▅▃▂▁▁ | Efficiency Ratio (%) | 67.6% | 68.0% | 69.6% | 63.7% | 59.7% | 58.1% | 56.5% | 55.2% |
| █▆▂▁▃▃▂▂ | Cost of Funds (%) | 1.89% | 1.79% | 1.61% | 1.56% | 1.66% | 1.67% | 1.62% | 1.63% |
| █▆▂▁▅▃▄█ | NPA / Assets (%) | 0.73% | 0.51% | 0.15% | 0.05% | 0.44% | 0.26% | 0.34% | 0.68% |
| █▆▂▁▅▃▄█ | Net Charge-Off Ratio (%) | 1.26% | 0.86% | 0.25% | 0.09% | 0.77% | 0.44% | 0.58% | 1.12% |
| ▇▅▇▁▄▆▆█ | Tang. Book Value ($M) | $24 | $24 | $24 | $22 | $23 | $24 | $24 | $25 |
| ▁▁▁▇▇███ | Gross Loans ($M) | $105 | $108 | $108 | $134 | $132 | $141 | $138 | $139 |
| ▁▁▂▆▇██▇ | Total Deposits ($M) | $155 | $158 | $162 | $194 | $201 | $206 | $208 | $201 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 53% |
| C&I / Commercial | 5% |
| Agricultural | 39% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 12% |