Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.73% | +0.23 | 0.50% |
| Return on Equity (%) | ▲ | 8.17% | +2.93 | 5.24% |
| Net Interest Margin (%) | ▲ | 3.20% | +0.04 | 3.16% |
| Efficiency Ratio (%) | ▲ | 68.80% | -9.65 | 78.45% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.42 | $1 |
| Cost of Funds (%) | ▼ | 2.40% | +0.08 | 2.32% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $422 | +53.97 | $368 |
| Gross Loans ($M) | ▲ | $297 | +36.07 | $261 |
| Loan Growth YoY (%) | ▼ | 86.78% | -2.27 | 89.05% |
| Total Deposits ($M) | ▲ | $338 | +48.51 | $290 |
| Shareholders Equity ($M) | ▲ | $37 | +3.34 | $34 |
| Tang. Book Value ($M) | ▲ | $35 | +3.40 | $32 |
| TBV excl. AOCI ($M)** | ▲ | $40 | +3.93 | $36 |
| Loan / Deposit Ratio (%) | ▼ | 86.78% | -2.27 | 89.05% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.87% | +0.80 | 0.08% |
| Allowance / Loans (%) | — | 1.13% | 0.05% | 1.08% |
| Net Charge-Off Ratio (%) | ▼ | 1.24% | +1.13 | 0.11% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▇██▇▇█ | Net Interest Margin (%) | 2.81% | 2.84% | 3.12% | 3.16% | 3.21% | 3.13% | 3.13% | 3.20% |
| ▆▇▁▁▅▅██ | Return on Assets (%) | 0.67% | 0.69% | 0.49% | 0.50% | 0.62% | 0.63% | 0.75% | 0.73% |
| ▃▃█▇▅▄▁▁ | Efficiency Ratio (%) | 71.8% | 72.3% | 80.0% | 78.4% | 74.4% | 73.3% | 69.1% | 68.8% |
| █▅▁▁█▇▆▅ | Cost of Funds (%) | 2.47% | 2.40% | 2.31% | 2.32% | 2.45% | 2.45% | 2.41% | 2.40% |
| ▁▁▁▁▁▇█▆ | NPA / Assets (%) | 0.10% | 0.12% | 0.10% | 0.08% | 0.09% | 0.98% | 1.26% | 0.87% |
| ▁▁▁▁▁▆█▆ | Net Charge-Off Ratio (%) | 0.14% | 0.18% | 0.15% | 0.11% | 0.14% | 1.39% | 1.81% | 1.24% |
| ▄▁▂▃▅▇▇█ | Tang. Book Value ($M) | $32 | $30 | $31 | $32 | $33 | $34 | $34 | $35 |
| ▁▁▂▄▆▇██ | Gross Loans ($M) | $229 | $236 | $243 | $261 | $276 | $288 | $289 | $297 |
| ▁▁▃▃▇▇██ | Total Deposits ($M) | $264 | $273 | $288 | $290 | $322 | $329 | $337 | $338 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 12% |
| Agricultural | 3% |
| Consumer | 1% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 19% |