Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 3.48% | +0.74 | 2.74% |
| Return on Equity (%) | ▲ | 22.77% | +5.37 | 17.40% |
| Net Interest Margin (%) | ▲ | 6.34% | +0.24 | 6.10% |
| Efficiency Ratio (%) | ▲ | 45.10% | -9.37 | 54.47% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.27 | $1 |
| Cost of Funds (%) | ▲ | 1.26% | -0.29 | 1.55% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $120 | +10.52 | $109 |
| Gross Loans ($M) | ▲ | $88 | +12.70 | $76 |
| Loan Growth YoY (%) | ▲ | 86.77% | +5.76 | 81.01% |
| Total Deposits ($M) | ▲ | $100 | +8.33 | $92 |
| Shareholders Equity ($M) | ▲ | $19 | +2.13 | $17 |
| Tang. Book Value ($M) | ▲ | $18 | +2.17 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 86.77% | +5.76 | 81.01% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.42% | +1.92 | 0.51% |
| Allowance / Loans (%) | — | 1.54% | -0.02% | 1.56% |
| Net Charge-Off Ratio (%) | ▼ | 3.08% | +2.35 | 0.73% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▃▅▆▆▇ | Net Interest Margin (%) | 6.45% | 6.42% | 5.96% | 6.10% | 6.25% | 6.32% | 6.31% | 6.34% |
| ▅▅▁▁▁▂██ | Return on Assets (%) | 3.22% | 3.18% | 2.69% | 2.74% | 2.78% | 2.83% | 3.59% | 3.48% |
| ▃▄███▇▁▁ | Efficiency Ratio (%) | 46.9% | 48.0% | 54.4% | 54.5% | 53.3% | 52.9% | 44.1% | 45.1% |
| ██▆▄▄▃▁▁ | Cost of Funds (%) | 1.85% | 1.90% | 1.73% | 1.55% | 1.56% | 1.46% | 1.31% | 1.26% |
| ▁▂▂▂▂▂▂█ | NPA / Assets (%) | 0.07% | 0.64% | 0.58% | 0.51% | 0.50% | 0.64% | 0.53% | 2.42% |
| ▁▂▂▂▂▂▂█ | Net Charge-Off Ratio (%) | 0.10% | 0.84% | 0.84% | 0.73% | 0.70% | 0.84% | 0.54% | 3.08% |
| ▃▁▂▂▄▃▆█ | Tang. Book Value ($M) | $16 | $15 | $16 | $16 | $17 | $16 | $17 | $18 |
| ▁▁▂▄▄▇▇█ | Gross Loans ($M) | $67 | $68 | $70 | $76 | $77 | $85 | $84 | $88 |
| ▁▁▂▅▄▆██ | Total Deposits ($M) | $79 | $81 | $84 | $92 | $89 | $95 | $101 | $100 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 53% |
| C&I / Commercial | 26% |
| Agricultural | 16% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 59% |
| Brokered / Other | 12% |