Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.37% | +0.29 | 1.09% |
| Return on Equity (%) | ▲ | 8.02% | +1.93 | 6.09% |
| Net Interest Margin (%) | ▼ | 3.92% | -0.05 | 3.98% |
| Efficiency Ratio (%) | ▲ | 54.47% | -7.80 | 62.27% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.21 | $1 |
| Cost of Funds (%) | ▼ | 1.43% | +0.07 | 1.36% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $169 | +20.27 | $149 |
| Gross Loans ($M) | ▲ | $90 | +9.15 | $80 |
| Loan Growth YoY (%) | ▼ | 62.89% | -1.90 | 64.78% |
| Total Deposits ($M) | ▲ | $139 | +17.94 | $121 |
| Shareholders Equity ($M) | ▲ | $29 | +2.21 | $27 |
| Tang. Book Value ($M) | ▲ | $29 | +2.21 | $27 |
| TBV excl. AOCI ($M)** | ▲ | $33 | +2.95 | $30 |
| Loan / Deposit Ratio (%) | ▼ | 62.89% | -1.90 | 64.78% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.51% | +0.12 | 0.39% |
| Allowance / Loans (%) | — | 2.21% | -0.03% | 2.24% |
| Net Charge-Off Ratio (%) | ▼ | 0.97% | +0.25 | 0.72% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▇█▂▅▆▅▁▃ | Net Interest Margin (%) | 4.06% | 4.09% | 3.90% | 3.98% | 4.01% | 3.98% | 3.86% | 3.92% |
| ▅▄▁▂▃▃██ | Return on Assets (%) | 1.23% | 1.18% | 1.03% | 1.09% | 1.14% | 1.15% | 1.36% | 1.37% |
| ▄▅█▇▆▆▂▁ | Efficiency Ratio (%) | 58.0% | 59.3% | 63.5% | 62.3% | 60.9% | 60.5% | 55.8% | 54.5% |
| ▄▂▁▁▁█▄▄ | Cost of Funds (%) | 1.43% | 1.38% | 1.37% | 1.36% | 1.34% | 1.54% | 1.43% | 1.43% |
| ▁▂▂▂█▅▂▆ | NPA / Assets (%) | 0.33% | 0.38% | 0.39% | 0.39% | 0.62% | 0.50% | 0.40% | 0.51% |
| ▁▂▂▂█▆▃▆ | Net Charge-Off Ratio (%) | 0.60% | 0.69% | 0.70% | 0.72% | 1.16% | 0.96% | 0.79% | 0.97% |
| ▁▁▂▃▆▇▇█ | Tang. Book Value ($M) | $26 | $26 | $27 | $27 | $28 | $29 | $29 | $29 |
| ▁▂▂▁▄▅▇█ | Gross Loans ($M) | $81 | $82 | $82 | $80 | $84 | $86 | $87 | $90 |
| ▁▂▁▁▄▆██ | Total Deposits ($M) | $120 | $123 | $121 | $121 | $129 | $135 | $142 | $139 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 71% |
| C&I / Commercial | 17% |
| Agricultural | 1% |
| Consumer | 8% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 27% |