Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.20% | +0.15 | 1.05% |
| Return on Equity (%) | ▲ | 14.51% | +2.01 | 12.50% |
| Net Interest Margin (%) | ▲ | 4.22% | +0.57 | 3.65% |
| Efficiency Ratio (%) | ▲ | 57.28% | -7.57 | 64.84% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.73 | $1 |
| Cost of Funds (%) | ▲ | 2.47% | -0.16 | 2.62% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $330 | +41.42 | $289 |
| Gross Loans ($M) | ▲ | $281 | +30.36 | $251 |
| Loan Growth YoY (%) | ▼ | 107.37% | -6.49 | 113.86% |
| Total Deposits ($M) | ▲ | $260 | +41.61 | $218 |
| Shareholders Equity ($M) | ▲ | $28 | +3.25 | $24 |
| Tang. Book Value ($M) | ▲ | $27 | +3.32 | $24 |
| Loan / Deposit Ratio (%) | ▼ | 107.37% | -6.49 | 113.86% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.51% | -0.16 | 1.68% |
| Allowance / Loans (%) | — | 0.72% | -0.16% | 0.88% |
| Net Charge-Off Ratio (%) | ▲ | 1.78% | -0.15 | 1.93% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 10.05% | +0.21 | 9.84% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▂▁▁▁▂▄█ | Net Interest Margin (%) | 3.74% | 3.73% | 3.58% | 3.65% | 3.64% | 3.70% | 3.82% | 4.22% |
| ▇▅▁▅▄▃▂█ | Return on Assets (%) | 1.13% | 1.07% | 0.88% | 1.05% | 1.01% | 0.96% | 0.93% | 1.20% |
| ▄▄█▅▄▄▅▁ | Efficiency Ratio (%) | 62.5% | 62.8% | 69.4% | 64.8% | 62.9% | 62.2% | 63.6% | 57.3% |
| ▁▂▂▆▆█▂▁ | Cost of Funds (%) | 2.44% | 2.50% | 2.50% | 2.62% | 2.63% | 2.73% | 2.49% | 2.47% |
| ▁▄█▇▇▄▅▆ | NPA / Assets (%) | 0.73% | 1.33% | 1.95% | 1.68% | 1.67% | 1.28% | 1.35% | 1.51% |
| ▁▄█▇▇▄▅▆ | Net Charge-Off Ratio (%) | 0.82% | 1.50% | 2.29% | 1.93% | 1.97% | 1.47% | 1.57% | 1.78% |
| ▁▁▂▄▅▆▇█ | Tang. Book Value ($M) | $22 | $23 | $23 | $24 | $25 | $26 | $26 | $27 |
| ▁▂▃▃▆▇██ | Gross Loans ($M) | $231 | $241 | $245 | $251 | $268 | $275 | $284 | $281 |
| ▁▁▄▄▇▇██ | Total Deposits ($M) | $178 | $188 | $211 | $218 | $249 | $248 | $265 | $260 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 12% |
| Agricultural | 1% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 12% |