Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.04% | +0.18 | 0.86% |
| Return on Equity (%) | ▲ | 9.49% | +0.82 | 8.67% |
| Net Interest Margin (%) | ▲ | 4.53% | +0.38 | 4.14% |
| Efficiency Ratio (%) | ▲ | 73.76% | -1.58 | 75.34% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.37 | $1 |
| Cost of Funds (%) | ▲ | 1.48% | -0.08 | 1.56% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $427 | -0.26 | $427 |
| Gross Loans ($M) | ▲ | $326 | +18.88 | $308 |
| Loan Growth YoY (%) | ▲ | 86.42% | +5.19 | 81.23% |
| Total Deposits ($M) | ▼ | $375 | -0.62 | $375 |
| Shareholders Equity ($M) | ▲ | $46 | +3.32 | $43 |
| Tang. Book Value ($M) | ▲ | $40 | +3.58 | $36 |
| TBV excl. AOCI ($M)** | ▲ | $42 | +3.45 | $39 |
| Loan / Deposit Ratio (%) | ▲ | 86.42% | +5.19 | 81.23% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.52% | -0.24 | 0.76% |
| Allowance / Loans (%) | — | 0.75% | -0.07% | 0.82% |
| Net Charge-Off Ratio (%) | ▲ | 0.68% | -0.38 | 1.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
Noninterest income ($0.73M) is materially above the typical range relative to net interest income. This may include one-time items. Efficiency ratio may not reflect recurring earnings power.
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▄▅██ | Net Interest Margin (%) | 3.90% | 3.93% | 4.15% | 4.14% | 4.16% | 4.26% | 4.47% | 4.53% |
| ▃▁▇▆▆▆██ | Return on Assets (%) | 0.62% | 0.44% | 0.90% | 0.86% | 0.86% | 0.89% | 1.00% | 1.04% |
| ▅█▁▁▂▁▂▁ | Efficiency Ratio (%) | 82.8% | 88.3% | 73.9% | 75.3% | 75.6% | 75.3% | 75.6% | 73.8% |
| █▃▃▃▃▃▁▂ | Cost of Funds (%) | 1.98% | 1.61% | 1.61% | 1.56% | 1.62% | 1.61% | 1.41% | 1.48% |
| ██▇▆▄▄▃▁ | NPA / Assets (%) | 0.88% | 0.85% | 0.81% | 0.76% | 0.68% | 0.70% | 0.62% | 0.52% |
| ███▇▅▄▃▁ | Net Charge-Off Ratio (%) | 1.10% | 1.13% | 1.09% | 1.06% | 0.93% | 0.90% | 0.80% | 0.68% |
| ▁▁▄▅▆▇██ | Tang. Book Value ($M) | $31 | $32 | $35 | $36 | $38 | $38 | $39 | $40 |
| ▁▇▆▆▇▇██ | Gross Loans ($M) | $264 | $314 | $306 | $308 | $312 | $318 | $320 | $326 |
| ▁█▇██▇▇█ | Total Deposits ($M) | $283 | $368 | $361 | $375 | $376 | $358 | $364 | $375 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 5% |
| Agricultural | 1% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 3% |