Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.39% | +0.29 | 1.10% |
| Return on Equity (%) | ▲ | 12.22% | +2.45 | 9.77% |
| Net Interest Margin (%) | ▲ | 4.45% | +0.35 | 4.09% |
| Efficiency Ratio (%) | ▲ | 60.17% | -5.39 | 65.56% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.34 | $1 |
| Cost of Funds (%) | ▲ | 1.02% | -0.25 | 1.27% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $230 | +22.09 | $208 |
| Gross Loans ($M) | ▲ | $143 | +7.58 | $135 |
| Loan Growth YoY (%) | ▼ | 69.23% | -3.57 | 72.80% |
| Total Deposits ($M) | ▲ | $203 | +20.30 | $183 |
| Shareholders Equity ($M) | ▲ | $27 | +1.71 | $25 |
| Tang. Book Value ($M) | ▲ | $27 | +1.71 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +2.51 | $27 |
| Loan / Deposit Ratio (%) | ▼ | 69.23% | -3.57 | 72.80% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.10% | -1.27 | 1.37% |
| Allowance / Loans (%) | — | 1.42% | -0.04% | 1.46% |
| Net Charge-Off Ratio (%) | ▲ | 0.16% | -1.95 | 2.12% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▂▁▃▄▅▅█ | Net Interest Margin (%) | 4.09% | 4.05% | 3.92% | 4.09% | 4.15% | 4.21% | 4.25% | 4.45% |
| ▃▁▂▄█▅▅█ | Return on Assets (%) | 1.08% | 0.89% | 0.96% | 1.10% | 1.36% | 1.15% | 1.20% | 1.39% |
| ▃█▅▅▂▇▃▁ | Efficiency Ratio (%) | 64.0% | 70.7% | 66.8% | 65.6% | 61.8% | 68.4% | 63.4% | 60.2% |
| ▇██▅▄▄▅▁ | Cost of Funds (%) | 1.37% | 1.47% | 1.48% | 1.27% | 1.20% | 1.21% | 1.28% | 1.02% |
| ▁▁▁█▁▁█▁ | NPA / Assets (%) | 0.03% | 0.01% | 0.01% | 1.37% | 0.02% | 0.00% | 1.22% | 0.10% |
| ▁▁▁█▁▁█▁ | Net Charge-Off Ratio (%) | 0.05% | 0.02% | 0.02% | 2.12% | 0.03% | 0.00% | 1.93% | 0.16% |
| ▂▁▃▄▇▆▇█ | Tang. Book Value ($M) | $24 | $23 | $24 | $25 | $26 | $26 | $26 | $27 |
| ▄▇▃▁▇▇▇█ | Gross Loans ($M) | $138 | $141 | $137 | $135 | $142 | $141 | $141 | $143 |
| ▃▆▂▁▃█▅▇ | Total Deposits ($M) | $190 | $200 | $187 | $183 | $192 | $208 | $197 | $203 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 7% |
| Agricultural | 4% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 44% |
| Interest-Bearing (core) | 46% |
| Brokered / Other | 10% |