Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.72% | +0.20 | 1.52% |
| Return on Equity (%) | ▲ | 14.53% | +2.49 | 12.04% |
| Net Interest Margin (%) | ▲ | 4.16% | +0.37 | 3.79% |
| Efficiency Ratio (%) | ▲ | 55.75% | -3.46 | 59.20% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.33 | $1 |
| Cost of Funds (%) | ▲ | 1.78% | -0.24 | 2.02% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $330 | +52.60 | $278 |
| Gross Loans ($M) | ▲ | $260 | +29.88 | $230 |
| Loan Growth YoY (%) | ▼ | 90.60% | -7.83 | 98.43% |
| Total Deposits ($M) | ▲ | $283 | +52.47 | $231 |
| Shareholders Equity ($M) | ▲ | $39 | +2.86 | $36 |
| Tang. Book Value ($M) | ▲ | $27 | +2.86 | $24 |
| Loan / Deposit Ratio (%) | ▼ | 90.60% | -7.83 | 98.43% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.97% | +0.04 | 0.92% |
| Allowance / Loans (%) | — | 1.30% | -0.00% | 1.31% |
| Net Charge-Off Ratio (%) | ▲ | 0.53% | -0.58 | 1.11% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆██ | Net Interest Margin (%) | 3.32% | 3.38% | 3.68% | 3.79% | 3.85% | 3.88% | 4.09% | 4.16% |
| ▁▁▄▆▇▆▇█ | Return on Assets (%) | 1.10% | 1.16% | 1.40% | 1.52% | 1.64% | 1.53% | 1.65% | 1.72% |
| ██▄▃▂▃▁▁ | Efficiency Ratio (%) | 65.9% | 65.0% | 60.0% | 59.2% | 56.7% | 58.9% | 55.2% | 55.7% |
| ▆█▄▄▂▂▂▁ | Cost of Funds (%) | 2.16% | 2.33% | 2.02% | 2.02% | 1.89% | 1.90% | 1.86% | 1.78% |
| ▃▁█▆▅▃▄▇ | NPA / Assets (%) | 0.77% | 0.67% | 1.01% | 0.92% | 0.86% | 0.77% | 0.82% | 0.97% |
| ▆▅██▁▁▁▃ | Net Charge-Off Ratio (%) | 0.97% | 0.83% | 1.23% | 1.11% | 0.31% | 0.22% | 0.30% | 0.53% |
| ▁▁▂▃▄▄▆█ | Tang. Book Value ($M) | $23 | $23 | $24 | $24 | $25 | $25 | $26 | $27 |
| ▁▂▃▃▃▆██ | Gross Loans ($M) | $218 | $227 | $230 | $230 | $229 | $247 | $255 | $260 |
| ▁▂▁▁▃▅▆█ | Total Deposits ($M) | $227 | $236 | $232 | $231 | $248 | $261 | $267 | $283 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 12% |
| Agricultural | 4% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 12% |