Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.49% | +1.01 | 0.48% |
| Return on Equity (%) | ▲ | 18.94% | +11.53 | 7.41% |
| Net Interest Margin (%) | ▲ | 3.70% | +0.75 | 2.95% |
| Efficiency Ratio (%) | ▲ | 61.04% | -14.26 | 75.30% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.52 | $1 |
| Cost of Funds (%) | ▲ | 1.46% | -0.23 | 1.69% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $247 | +11.55 | $235 |
| Gross Loans ($M) | ▲ | $152 | +5.52 | $147 |
| Loan Growth YoY (%) | ▼ | 67.12% | -0.90 | 68.02% |
| Total Deposits ($M) | ▲ | $224 | +9.95 | $214 |
| Shareholders Equity ($M) | ▲ | $20 | +3.67 | $16 |
| Tang. Book Value ($M) | ▲ | $19 | +3.72 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $23 | +4.18 | $19 |
| Loan / Deposit Ratio (%) | ▼ | 67.12% | -0.90 | 68.02% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.49% | +0.22 | 0.28% |
| Allowance / Loans (%) | — | 1.40% | 0.47% | 0.93% |
| Net Charge-Off Ratio (%) | ▼ | 0.80% | +0.36 | 0.44% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▄▄▇█ | Net Interest Margin (%) | 2.48% | 2.56% | 2.87% | 2.95% | 2.99% | 3.05% | 3.43% | 3.70% |
| ▁▂▂▁▃▄▇█ | Return on Assets (%) | 0.35% | 0.55% | 0.61% | 0.48% | 0.72% | 0.83% | 1.32% | 1.49% |
| █▆▆▆▄▄▁▁ | Efficiency Ratio (%) | 83.6% | 77.8% | 77.0% | 75.3% | 71.8% | 70.7% | 61.5% | 61.0% |
| █▇▅▄▄▂▁▁ | Cost of Funds (%) | 1.98% | 1.86% | 1.75% | 1.69% | 1.67% | 1.54% | 1.49% | 1.46% |
| ▁██▃▄▄▄▇ | NPA / Assets (%) | 0.07% | 0.56% | 0.62% | 0.28% | 0.28% | 0.31% | 0.31% | 0.49% |
| ▁██▄▄▄▄▇ | Net Charge-Off Ratio (%) | 0.12% | 0.88% | 0.96% | 0.44% | 0.44% | 0.48% | 0.48% | 0.80% |
| ▃▁▂▃▅▇▇█ | Tang. Book Value ($M) | $15 | $14 | $15 | $16 | $17 | $19 | $18 | $19 |
| ▁▅▅▃▂▇█▆ | Gross Loans ($M) | $143 | $150 | $150 | $147 | $146 | $154 | $156 | $152 |
| ▁▄▃▃▂▆▇█ | Total Deposits ($M) | $210 | $216 | $213 | $214 | $212 | $219 | $221 | $224 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 5% |
| Agricultural | 1% |
| Consumer | 7% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 83% |
| Brokered / Other | 3% |