Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.96% | +0.10 | 0.86% |
| Return on Equity (%) | ▼ | 8.74% | -0.26 | 9.00% |
| Net Interest Margin (%) | ▲ | 3.89% | +0.47 | 3.41% |
| Efficiency Ratio (%) | ▼ | 69.72% | +0.81 | 68.91% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.22 | $1 |
| Cost of Funds (%) | ▲ | 1.07% | -0.18 | 1.25% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $241 | +3.84 | $238 |
| Gross Loans ($M) | ▲ | $152 | +1.44 | $151 |
| Loan Growth YoY (%) | ▲ | 71.57% | +1.33 | 70.25% |
| Total Deposits ($M) | ▼ | $210 | -2.08 | $212 |
| Shareholders Equity ($M) | ▲ | $27 | +3.71 | $24 |
| Tang. Book Value ($M) | ▲ | $27 | +3.71 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +4.09 | $27 |
| Loan / Deposit Ratio (%) | ▲ | 71.57% | +1.33 | 70.25% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.19% | -0.27 | 0.46% |
| Allowance / Loans (%) | — | 1.17% | 0.06% | 1.11% |
| Net Charge-Off Ratio (%) | ▲ | 0.30% | -0.43 | 0.73% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆██ | Net Interest Margin (%) | 2.80% | 2.84% | 3.22% | 3.41% | 3.52% | 3.60% | 3.84% | 3.89% |
| ▁▁▃▅▄▅█▆ | Return on Assets (%) | 0.53% | 0.53% | 0.72% | 0.86% | 0.81% | 0.87% | 1.13% | 0.96% |
| ██▆▃▄▃▁▄ | Efficiency Ratio (%) | 78.4% | 78.3% | 74.0% | 68.9% | 69.6% | 68.2% | 63.4% | 69.7% |
| █▇▅▃▂▂▁▁ | Cost of Funds (%) | 1.59% | 1.51% | 1.33% | 1.25% | 1.18% | 1.15% | 1.05% | 1.07% |
| ▁▁▁█▁▂▄▃ | NPA / Assets (%) | 0.12% | 0.11% | 0.09% | 0.46% | 0.12% | 0.14% | 0.28% | 0.19% |
| ▁▁▁█▁▂▅▃ | Net Charge-Off Ratio (%) | 0.21% | 0.18% | 0.15% | 0.73% | 0.19% | 0.23% | 0.46% | 0.30% |
| ▂▁▂▃▅▇██ | Tang. Book Value ($M) | $23 | $22 | $23 | $24 | $25 | $26 | $27 | $27 |
| ▁▇▆▅█▇▄▆ | Gross Loans ($M) | $147 | $153 | $152 | $151 | $154 | $153 | $150 | $152 |
| ▁▂▆▂▅▇█▁ | Total Deposits ($M) | $209 | $212 | $218 | $212 | $216 | $220 | $222 | $210 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 56% |
| C&I / Commercial | 5% |
| Agricultural | 31% |
| Consumer | 9% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 83% |
| Brokered / Other | 6% |