Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.74% | +0.12 | 1.63% |
| Return on Equity (%) | ▲ | 16.38% | +1.03 | 15.35% |
| Net Interest Margin (%) | ▲ | 3.63% | +0.49 | 3.14% |
| Efficiency Ratio (%) | ▲ | 53.65% | -2.05 | 55.70% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.41 | $1 |
| Cost of Funds (%) | ▲ | 1.65% | -0.18 | 1.83% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $334 | +12.02 | $322 |
| Gross Loans ($M) | ▲ | $233 | +5.07 | $228 |
| Loan Growth YoY (%) | ▼ | 78.22% | -0.94 | 79.16% |
| Total Deposits ($M) | ▲ | $296 | +10.10 | $286 |
| Shareholders Equity ($M) | ▲ | $36 | +1.86 | $35 |
| Tang. Book Value ($M) | ▲ | $36 | +1.86 | $35 |
| TBV excl. AOCI ($M)** | ▲ | $40 | +2.31 | $38 |
| Loan / Deposit Ratio (%) | ▼ | 78.22% | -0.94 | 79.16% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.18% | -0.01 | 0.19% |
| Allowance / Loans (%) | — | 0.73% | -0.08% | 0.81% |
| Net Charge-Off Ratio (%) | ▲ | 0.26% | -0.01 | 0.27% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▅▁▂▂▃██ | Net Interest Margin (%) | 3.45% | 3.33% | 3.02% | 3.14% | 3.11% | 3.23% | 3.56% | 3.63% |
| ▂▁█▅▃▄▅▇ | Return on Assets (%) | 1.43% | 1.35% | 1.86% | 1.63% | 1.49% | 1.57% | 1.64% | 1.74% |
| ▇█▁▃▅▃▃▁ | Efficiency Ratio (%) | 60.3% | 61.3% | 52.9% | 55.7% | 57.9% | 56.0% | 55.0% | 53.6% |
| ▆███▇▁▃▂ | Cost of Funds (%) | 1.76% | 1.85% | 1.84% | 1.83% | 1.79% | 1.60% | 1.67% | 1.65% |
| ▃▁▁█▅▇█▇ | NPA / Assets (%) | 0.16% | 0.15% | 0.14% | 0.19% | 0.17% | 0.18% | 0.18% | 0.18% |
| ▁▂▁█▄▇█▇ | Net Charge-Off Ratio (%) | 0.21% | 0.22% | 0.21% | 0.27% | 0.23% | 0.26% | 0.27% | 0.26% |
| ▂▂▁▃▆█▄▆ | Tang. Book Value ($M) | $34 | $34 | $33 | $35 | $36 | $38 | $35 | $36 |
| ▂▁▂▄▆█▇▆ | Gross Loans ($M) | $223 | $218 | $221 | $228 | $233 | $239 | $234 | $233 |
| ▁▅▅▅▄██▆ | Total Deposits ($M) | $255 | $284 | $283 | $286 | $282 | $310 | $306 | $296 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 12% |
| Agricultural | 4% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 13% |