Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.08% | +0.34 | 0.73% |
| Return on Equity (%) | ▲ | 9.16% | +2.48 | 6.68% |
| Net Interest Margin (%) | ▲ | 3.19% | +0.53 | 2.66% |
| Efficiency Ratio (%) | ▲ | 58.40% | -8.98 | 67.37% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.36 | $1 |
| Cost of Funds (%) | ▲ | 1.66% | -0.12 | 1.78% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $243 | +5.69 | $238 |
| Gross Loans ($M) | ▲ | $130 | +4.44 | $126 |
| Loan Growth YoY (%) | ▲ | 62.81% | +0.65 | 62.16% |
| Total Deposits ($M) | ▲ | $205 | +5.15 | $200 |
| Shareholders Equity ($M) | ▲ | $30 | +2.39 | $27 |
| Tang. Book Value ($M) | ▲ | $30 | +2.39 | $27 |
| TBV excl. AOCI ($M)** | ▲ | $34 | +2.19 | $32 |
| Loan / Deposit Ratio (%) | ▲ | 62.81% | +0.65 | 62.16% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.50% | -0.03 | 1.53% |
| Allowance / Loans (%) | — | 1.08% | -0.11% | 1.19% |
| Net Charge-Off Ratio (%) | ▲ | 2.79% | -0.10 | 2.89% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▃▄▄▇█ | Net Interest Margin (%) | 2.35% | 2.40% | 2.62% | 2.66% | 2.70% | 2.73% | 3.06% | 3.19% |
| ▁▁▂▃▃▃▇█ | Return on Assets (%) | 0.61% | 0.61% | 0.72% | 0.73% | 0.77% | 0.76% | 0.98% | 1.08% |
| ██▆▆▆▆▂▁ | Efficiency Ratio (%) | 70.7% | 70.0% | 67.4% | 67.4% | 66.5% | 66.7% | 60.5% | 58.4% |
| █▅▃▅▆▄▁▂ | Cost of Funds (%) | 1.93% | 1.79% | 1.72% | 1.78% | 1.85% | 1.76% | 1.60% | 1.66% |
| ▇▆██▇▅▁▅ | NPA / Assets (%) | 1.52% | 1.50% | 1.53% | 1.53% | 1.52% | 1.49% | 1.44% | 1.50% |
| █▄▆▅▄▁▁▃ | Net Charge-Off Ratio (%) | 3.00% | 2.83% | 2.90% | 2.89% | 2.82% | 2.71% | 2.71% | 2.79% |
| ▂▁▂▄▆▇██ | Tang. Book Value ($M) | $26 | $25 | $26 | $27 | $28 | $29 | $29 | $30 |
| ▁▄▃▃▄█▇▅ | Gross Loans ($M) | $121 | $129 | $126 | $126 | $129 | $137 | $134 | $130 |
| ▁▄▅▄▁██▆ | Total Deposits ($M) | $189 | $200 | $202 | $200 | $192 | $211 | $213 | $205 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 60% |
| C&I / Commercial | 4% |
| Agricultural | 30% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 17% |