Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.79% | +0.16 | 0.63% |
| Return on Equity (%) | ▲ | 9.46% | +1.41 | 8.05% |
| Net Interest Margin (%) | ▲ | 3.65% | +0.50 | 3.15% |
| Efficiency Ratio (%) | ▲ | 77.38% | -1.17 | 78.55% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.12 | $0 |
| Cost of Funds (%) | ▲ | 2.14% | -0.44 | 2.58% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $277 | +16.25 | $260 |
| Gross Loans ($M) | ▲ | $191 | +16.18 | $175 |
| Loan Growth YoY (%) | ▲ | 79.15% | +1.68 | 77.47% |
| Total Deposits ($M) | ▲ | $239 | +15.55 | $224 |
| Shareholders Equity ($M) | ▲ | $24 | +3.29 | $20 |
| Tang. Book Value ($M) | ▲ | $23 | +3.18 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +3.39 | $22 |
| Loan / Deposit Ratio (%) | ▲ | 79.15% | +1.68 | 77.47% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.02% | +0.72 | 1.30% |
| Allowance / Loans (%) | — | 1.03% | -0.03% | 1.07% |
| Net Charge-Off Ratio (%) | ▼ | 2.92% | +0.98 | 1.94% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▃▄▅▇█ | Net Interest Margin (%) | 2.87% | 2.95% | 3.12% | 3.15% | 3.21% | 3.33% | 3.55% | 3.65% |
| ▁▂▃▄▅▅██ | Return on Assets (%) | 0.46% | 0.53% | 0.59% | 0.63% | 0.66% | 0.68% | 0.82% | 0.79% |
| █▆▃▁▁▁▁▁ | Efficiency Ratio (%) | 87.0% | 83.9% | 80.1% | 78.5% | 77.5% | 77.4% | 78.4% | 77.4% |
| ▇▅▅█▅▅▁▃ | Cost of Funds (%) | 2.44% | 2.32% | 2.28% | 2.58% | 2.30% | 2.26% | 1.93% | 2.14% |
| ▂▁▁▂▂▁▆█ | NPA / Assets (%) | 1.38% | 1.18% | 1.17% | 1.30% | 1.31% | 1.17% | 1.74% | 2.02% |
| ▃▁▁▂▂▁▇█ | Net Charge-Off Ratio (%) | 2.03% | 1.78% | 1.78% | 1.94% | 2.00% | 1.70% | 2.70% | 2.92% |
| ▄▂▁▁▄▇▆█ | Tang. Book Value ($M) | $21 | $20 | $20 | $20 | $21 | $22 | $22 | $23 |
| ▁▂▁▁▂▄▅█ | Gross Loans ($M) | $175 | $178 | $174 | $175 | $177 | $183 | $184 | $191 |
| ▁▄▄▂▄▃█▆ | Total Deposits ($M) | $218 | $231 | $229 | $224 | $232 | $226 | $247 | $239 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 14% |
| Agricultural | 7% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 8% |