Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.42% | +0.03 | 1.40% |
| Return on Equity (%) | ▼ | 17.27% | -2.11 | 19.38% |
| Net Interest Margin (%) | — | 3.23% | 0.00 | 3.23% |
| Efficiency Ratio (%) | ▲ | 55.05% | -0.65 | 55.70% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.28 | $1 |
| Cost of Funds (%) | ▲ | 1.52% | -0.04 | 1.56% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $346 | +27.05 | $319 |
| Gross Loans ($M) | ▲ | $159 | +1.12 | $157 |
| Loan Growth YoY (%) | ▼ | 52.93% | -3.18 | 56.11% |
| Total Deposits ($M) | ▲ | $296 | +18.78 | $277 |
| Shareholders Equity ($M) | ▲ | $29 | +6.55 | $23 |
| Tang. Book Value ($M) | ▲ | $26 | +6.65 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $34 | +7.70 | $26 |
| Loan / Deposit Ratio (%) | ▼ | 52.93% | -3.18 | 56.11% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.83% | +0.17 | 0.66% |
| Allowance / Loans (%) | — | 1.37% | -0.02% | 1.39% |
| Net Charge-Off Ratio (%) | ▼ | 1.24% | +0.48 | 0.76% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▇███▄█ | Net Interest Margin (%) | 2.98% | 3.04% | 3.19% | 3.23% | 3.25% | 3.25% | 3.10% | 3.23% |
| ▃▂▆▇█▃▁█ | Return on Assets (%) | 1.27% | 1.24% | 1.37% | 1.40% | 1.43% | 1.26% | 1.18% | 1.42% |
| ▂▅▃▁▁▄█▁ | Efficiency Ratio (%) | 56.0% | 57.8% | 56.5% | 55.7% | 55.0% | 57.3% | 60.4% | 55.0% |
| █▅▁▄▃▃▅▂ | Cost of Funds (%) | 1.66% | 1.58% | 1.49% | 1.56% | 1.54% | 1.53% | 1.59% | 1.52% |
| █▁▁▃▃▂▄▄ | NPA / Assets (%) | 1.29% | 0.42% | 0.40% | 0.66% | 0.71% | 0.51% | 0.81% | 0.83% |
| █▁▁▂▃▁▃▄ | Net Charge-Off Ratio (%) | 2.54% | 0.27% | 0.24% | 0.76% | 0.85% | 0.35% | 0.98% | 1.24% |
| ▅▁▂▁▆▇▆█ | Tang. Book Value ($M) | $23 | $19 | $20 | $19 | $23 | $25 | $23 | $26 |
| ██▂▁▃▃▁▂ | Gross Loans ($M) | $166 | $166 | $159 | $157 | $160 | $160 | $158 | $159 |
| ▂▂▂▁▁▇██ | Total Deposits ($M) | $279 | $279 | $281 | $277 | $276 | $291 | $294 | $296 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 60% |
| C&I / Commercial | 25% |
| Agricultural | 13% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 19% |