Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.87% | -0.04 | 1.91% |
| Return on Equity (%) | ▼ | 6.58% | -0.64 | 7.22% |
| Net Interest Margin (%) | ▲ | 4.59% | +0.06 | 4.52% |
| Efficiency Ratio (%) | ▲ | 50.01% | -0.61 | 50.62% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.01 | $1 |
| Cost of Funds (%) | ▼ | 0.62% | +0.02 | 0.61% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $176 | +2.78 | $173 |
| Gross Loans ($M) | ▼ | $74 | -0.49 | $74 |
| Loan Growth YoY (%) | ▼ | 63.28% | -2.15 | 65.44% |
| Total Deposits ($M) | ▲ | $114 | +2.98 | $111 |
| Shareholders Equity ($M) | ▲ | $50 | +2.50 | $47 |
| Tang. Book Value ($M) | ▲ | $50 | +2.50 | $47 |
| TBV excl. AOCI ($M)** | ▲ | $54 | +2.55 | $51 |
| Loan / Deposit Ratio (%) | ▼ | 63.28% | -2.15 | 65.44% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.29% | +0.12 | 0.17% |
| Allowance / Loans (%) | — | 2.69% | 0.02% | 2.67% |
| Net Charge-Off Ratio (%) | ▼ | 0.68% | +0.31 | 0.38% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▄▁▅▇███ | Net Interest Margin (%) | 4.53% | 4.51% | 4.44% | 4.52% | 4.56% | 4.60% | 4.60% | 4.59% |
| █▆▂▃▃▄▁▂ | Return on Assets (%) | 2.09% | 2.01% | 1.87% | 1.91% | 1.93% | 1.94% | 1.83% | 1.87% |
| ▁▁█▆▃▁█▃ | Efficiency Ratio (%) | 49.4% | 49.4% | 51.3% | 50.6% | 49.9% | 49.5% | 51.1% | 50.0% |
| ▂▁▂▅▃▅▆█ | Cost of Funds (%) | 0.59% | 0.58% | 0.59% | 0.61% | 0.60% | 0.61% | 0.61% | 0.62% |
| ▃▂▁▂▄▅██ | NPA / Assets (%) | 0.19% | 0.17% | 0.14% | 0.17% | 0.21% | 0.24% | 0.30% | 0.29% |
| ▂▂▁▁▄▅██ | Net Charge-Off Ratio (%) | 0.42% | 0.40% | 0.35% | 0.38% | 0.48% | 0.54% | 0.66% | 0.68% |
| ▂▁▃▅▆▇▇█ | Tang. Book Value ($M) | $46 | $45 | $46 | $47 | $49 | $49 | $49 | $50 |
| █▅▁▇▇█▇▅ | Gross Loans ($M) | $75 | $74 | $73 | $74 | $75 | $75 | $74 | $74 |
| ▁▇█▂▁▆▄▆ | Total Deposits ($M) | $110 | $115 | $116 | $111 | $109 | $114 | $112 | $114 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 2% |
| Agricultural | 1% |
| Consumer | 16% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 36% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 6% |