Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.63% | +0.07 | 1.56% |
| Return on Equity (%) | ▲ | 12.45% | +0.53 | 11.92% |
| Net Interest Margin (%) | ▼ | 4.88% | -0.02 | 4.90% |
| Efficiency Ratio (%) | ▲ | 61.12% | -1.71 | 62.83% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $1 |
| Cost of Funds (%) | ▲ | 0.91% | -0.06 | 0.97% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $193 | +13.39 | $180 |
| Gross Loans ($M) | ▲ | $101 | +5.77 | $95 |
| Loan Growth YoY (%) | ▼ | 59.54% | -0.70 | 60.24% |
| Total Deposits ($M) | ▲ | $166 | +11.47 | $155 |
| Shareholders Equity ($M) | ▲ | $25 | +1.43 | $24 |
| Tang. Book Value ($M) | ▲ | $25 | +1.43 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +1.38 | $25 |
| Loan / Deposit Ratio (%) | ▼ | 59.54% | -0.70 | 60.24% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.16% | +0.08 | 0.08% |
| Allowance / Loans (%) | — | 1.55% | -0.07% | 1.62% |
| Net Charge-Off Ratio (%) | ▼ | 0.32% | +0.15 | 0.16% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▇▁▅▇█▁▄ | Net Interest Margin (%) | 4.93% | 4.94% | 4.82% | 4.90% | 4.94% | 4.97% | 4.83% | 4.88% |
| ▂▁▆▇▇▅▅█ | Return on Assets (%) | 1.28% | 1.21% | 1.52% | 1.56% | 1.58% | 1.47% | 1.46% | 1.63% |
| ▇█▂▂▂▄▃▁ | Efficiency Ratio (%) | 69.0% | 70.7% | 63.3% | 62.8% | 62.5% | 65.0% | 63.7% | 61.1% |
| ██▄▅▄▃▁▂ | Cost of Funds (%) | 1.03% | 1.04% | 0.95% | 0.97% | 0.93% | 0.92% | 0.87% | 0.91% |
| █▂▃▁▁▁▁▂ | NPA / Assets (%) | 0.48% | 0.15% | 0.18% | 0.08% | 0.08% | 0.10% | 0.10% | 0.16% |
| █▂▃▁▁▁▁▂ | Net Charge-Off Ratio (%) | 0.94% | 0.30% | 0.35% | 0.16% | 0.16% | 0.19% | 0.20% | 0.32% |
| ▁▁▂▄▆▅▇█ | Tang. Book Value ($M) | $23 | $23 | $23 | $24 | $25 | $24 | $25 | $25 |
| ▁▂▃▄▅▇▆█ | Gross Loans ($M) | $89 | $91 | $93 | $95 | $96 | $99 | $97 | $101 |
| ▁▁▂▂▄▄▇█ | Total Deposits ($M) | $153 | $153 | $155 | $155 | $158 | $159 | $164 | $166 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 57% |
| C&I / Commercial | 30% |
| Agricultural | 1% |
| Consumer | 14% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 38% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 9% |