Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 3.02% | +0.18 | 2.84% |
| Return on Equity (%) | ▼ | 24.27% | -0.87 | 25.14% |
| Net Interest Margin (%) | ▲ | 4.99% | +0.33 | 4.66% |
| Efficiency Ratio (%) | ▲ | 42.49% | -2.26 | 44.75% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.17 | $1 |
| Cost of Funds (%) | ▲ | 1.80% | -0.17 | 1.96% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $147 | +6.54 | $140 |
| Gross Loans ($M) | ▲ | $115 | +4.62 | $110 |
| Loan Growth YoY (%) | ▲ | 88.60% | +0.64 | 87.96% |
| Total Deposits ($M) | ▲ | $128 | +4.08 | $124 |
| Shareholders Equity ($M) | ▲ | $19 | +2.45 | $16 |
| Tang. Book Value ($M) | ▲ | $19 | +2.45 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 88.60% | +0.64 | 87.96% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.70% | -0.86 | 2.57% |
| Allowance / Loans (%) | — | 1.37% | 0.14% | 1.23% |
| Net Charge-Off Ratio (%) | ▲ | 2.18% | -1.09 | 3.27% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
Noninterest income ($0.28M) is materially above the typical range relative to net interest income. This may include one-time items. Efficiency ratio may not reflect recurring earnings power.
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▂▄▅▆▇█ | Net Interest Margin (%) | 4.40% | 4.49% | 4.49% | 4.66% | 4.77% | 4.79% | 4.92% | 4.99% |
| ▁▂▆▆▇▆██ | Return on Assets (%) | 2.42% | 2.55% | 2.86% | 2.84% | 2.88% | 2.86% | 2.95% | 3.02% |
| █▇▃▃▃▃▁▁ | Efficiency Ratio (%) | 49.9% | 48.1% | 44.4% | 44.7% | 44.4% | 44.4% | 42.8% | 42.5% |
| ██▇▄▃▃▁▁ | Cost of Funds (%) | 2.22% | 2.19% | 2.12% | 1.96% | 1.95% | 1.92% | 1.83% | 1.80% |
| █▂▄▃▂▂▁▁ | NPA / Assets (%) | 4.83% | 2.40% | 2.91% | 2.57% | 2.31% | 2.31% | 1.97% | 1.70% |
| █▂▄▃▂▂▁▁ | Net Charge-Off Ratio (%) | 5.93% | 2.95% | 3.77% | 3.27% | 2.91% | 2.77% | 2.42% | 2.18% |
| ▁▁▃▄▅▆▇█ | Tang. Book Value ($M) | $15 | $15 | $16 | $16 | $17 | $17 | $18 | $19 |
| ▁▂▂▃▄██▆ | Gross Loans ($M) | $106 | $108 | $109 | $110 | $112 | $118 | $118 | $115 |
| ▁▂▇▆▆▆██ | Total Deposits ($M) | $115 | $117 | $125 | $124 | $123 | $124 | $127 | $128 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 8% |
| Agricultural | 5% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 10% |