Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.24% | -0.12 | 1.36% |
| Return on Equity (%) | ▼ | 12.20% | -1.73 | 13.93% |
| Net Interest Margin (%) | ▲ | 4.96% | +0.05 | 4.91% |
| Efficiency Ratio (%) | ▼ | 59.11% | +2.15 | 56.96% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.07 | $2 |
| Cost of Funds (%) | ▲ | 2.56% | -0.23 | 2.78% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $319 | +15.57 | $303 |
| Gross Loans ($M) | ▲ | $243 | +25.00 | $218 |
| Loan Growth YoY (%) | ▲ | 85.74% | +5.48 | 80.26% |
| Total Deposits ($M) | ▲ | $280 | +11.86 | $268 |
| Shareholders Equity ($M) | ▲ | $33 | +2.91 | $30 |
| Tang. Book Value ($M) | ▲ | $33 | +2.92 | $30 |
| TBV excl. AOCI ($M)** | ▲ | $34 | +2.92 | $31 |
| Loan / Deposit Ratio (%) | ▲ | 85.74% | +5.48 | 80.26% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.75% | -0.22 | 0.98% |
| Allowance / Loans (%) | — | 1.14% | -0.08% | 1.22% |
| Net Charge-Off Ratio (%) | ▲ | 0.73% | -0.55 | 1.27% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▄▁▆██▄█ | Net Interest Margin (%) | 4.82% | 4.89% | 4.81% | 4.91% | 4.97% | 4.95% | 4.88% | 4.96% |
| ▁▂█▅▄▃▂▄ | Return on Assets (%) | 1.00% | 1.12% | 1.62% | 1.36% | 1.29% | 1.21% | 1.14% | 1.24% |
| ▁▃▂▂▁▄█▆ | Efficiency Ratio (%) | 56.5% | 57.8% | 57.3% | 57.0% | 56.4% | 58.3% | 60.7% | 59.1% |
| ██▆▄▄▃▁▁ | Cost of Funds (%) | 3.03% | 2.98% | 2.85% | 2.78% | 2.78% | 2.71% | 2.54% | 2.56% |
| ▆█▄▃▁▂▃▁ | NPA / Assets (%) | 1.19% | 1.41% | 1.01% | 0.98% | 0.79% | 0.90% | 0.93% | 0.75% |
| █▇█▆▄▅▄▁ | Net Charge-Off Ratio (%) | 1.47% | 1.37% | 1.41% | 1.27% | 1.01% | 1.15% | 1.09% | 0.73% |
| ▁▁▃▄▅▆▇█ | Tang. Book Value ($M) | $27 | $28 | $29 | $30 | $30 | $31 | $32 | $33 |
| ▁▂▂▃▄▄▇█ | Gross Loans ($M) | $209 | $214 | $213 | $218 | $222 | $224 | $236 | $243 |
| ▁▃▄▅▆▇██ | Total Deposits ($M) | $249 | $257 | $263 | $268 | $271 | $275 | $281 | $280 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 62% |
| C&I / Commercial | 18% |
| Agricultural | 4% |
| Consumer | 17% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 16% |