Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.85% | +0.20 | 1.65% |
| Return on Equity (%) | ▲ | 23.08% | +1.44 | 21.64% |
| Net Interest Margin (%) | ▲ | 4.10% | +0.07 | 4.03% |
| Efficiency Ratio (%) | ▲ | 56.33% | -4.52 | 60.85% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.17 | $1 |
| Cost of Funds (%) | ▲ | 1.45% | -0.03 | 1.48% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $246 | +27.10 | $219 |
| Gross Loans ($M) | ▲ | $163 | +15.11 | $148 |
| Loan Growth YoY (%) | ▼ | 76.85% | -6.90 | 83.75% |
| Total Deposits ($M) | ▲ | $210 | +35.17 | $175 |
| Shareholders Equity ($M) | ▲ | $19 | +2.33 | $17 |
| Tang. Book Value ($M) | ▲ | $19 | +2.33 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +1.96 | $19 |
| Loan / Deposit Ratio (%) | ▼ | 76.85% | -6.90 | 83.75% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.32% | -0.06 | 0.38% |
| Allowance / Loans (%) | — | 1.11% | -0.00% | 1.11% |
| Net Charge-Off Ratio (%) | ▼ | 0.48% | +0.03 | 0.45% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▅▁▆██▆█ | Net Interest Margin (%) | 4.02% | 4.00% | 3.88% | 4.03% | 4.09% | 4.11% | 4.03% | 4.10% |
| ▃▂▁▅▆▅▇█ | Return on Assets (%) | 1.55% | 1.50% | 1.43% | 1.65% | 1.73% | 1.66% | 1.78% | 1.85% |
| ▇██▅▃▂▂▁ | Efficiency Ratio (%) | 63.7% | 64.9% | 64.4% | 60.8% | 59.1% | 58.2% | 58.1% | 56.3% |
| ▁█▁▃▃▃▃▂ | Cost of Funds (%) | 1.41% | 1.67% | 1.43% | 1.48% | 1.48% | 1.50% | 1.49% | 1.45% |
| ▁▄▁█▁▃▆▃ | NPA / Assets (%) | 0.30% | 0.34% | 0.30% | 0.38% | 0.29% | 0.32% | 0.36% | 0.32% |
| ▅▇▁▆▃▄█▇ | Net Charge-Off Ratio (%) | 0.43% | 0.49% | 0.30% | 0.45% | 0.38% | 0.40% | 0.52% | 0.48% |
| ▁▁▁▃▆█▇█ | Tang. Book Value ($M) | $16 | $16 | $16 | $17 | $18 | $19 | $18 | $19 |
| ▁▂▂▅▆███ | Gross Loans ($M) | $132 | $137 | $139 | $148 | $153 | $161 | $161 | $163 |
| ▁▁▃▃▃▃▅█ | Total Deposits ($M) | $161 | $163 | $174 | $175 | $178 | $178 | $190 | $210 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 4% |
| Agricultural | 5% |
| Consumer | 5% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 14% |