Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.32% | +0.18 | 1.14% |
| Return on Equity (%) | ▲ | 14.11% | +0.02 | 14.09% |
| Net Interest Margin (%) | ▲ | 3.50% | +0.25 | 3.25% |
| Efficiency Ratio (%) | ▲ | 53.93% | -4.87 | 58.80% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.28 | $1 |
| Cost of Funds (%) | ▲ | 1.95% | -0.09 | 2.04% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $356 | +9.82 | $346 |
| Gross Loans ($M) | ▲ | $255 | +4.92 | $251 |
| Loan Growth YoY (%) | ▼ | 79.86% | -2.09 | 81.95% |
| Total Deposits ($M) | ▲ | $315 | +13.63 | $301 |
| Shareholders Equity ($M) | ▲ | $35 | +6.22 | $28 |
| Tang. Book Value ($M) | ▲ | $35 | +6.22 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $38 | +6.12 | $32 |
| Loan / Deposit Ratio (%) | ▼ | 79.86% | -2.09 | 81.95% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.49% | +0.08 | 1.41% |
| Allowance / Loans (%) | — | 1.50% | 0.10% | 1.40% |
| Net Charge-Off Ratio (%) | ▼ | 2.07% | +0.13 | 1.94% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▅▆▇██ | Net Interest Margin (%) | 2.87% | 2.96% | 3.27% | 3.25% | 3.34% | 3.39% | 3.46% | 3.50% |
| ▁▂▅▅▆▄██ | Return on Assets (%) | 0.89% | 0.97% | 1.13% | 1.14% | 1.22% | 1.12% | 1.36% | 1.32% |
| █▇▄▄▂▂▁▁ | Efficiency Ratio (%) | 66.8% | 64.1% | 59.4% | 58.8% | 56.8% | 56.3% | 53.5% | 53.9% |
| ██▅▅▄▁▁▁ | Cost of Funds (%) | 2.10% | 2.12% | 2.04% | 2.04% | 2.02% | 1.96% | 1.96% | 1.95% |
| ▁▁▁▇▇███ | NPA / Assets (%) | 0.50% | 0.49% | 0.50% | 1.41% | 1.34% | 1.58% | 1.49% | 1.49% |
| ▁▁▁▇▇███ | Net Charge-Off Ratio (%) | 0.74% | 0.69% | 0.69% | 1.94% | 1.90% | 2.20% | 2.07% | 2.07% |
| ▂▁▂▃▆▇▇█ | Tang. Book Value ($M) | $28 | $26 | $28 | $28 | $31 | $33 | $33 | $35 |
| ▁▄▅▇▇███ | Gross Loans ($M) | $221 | $238 | $241 | $251 | $252 | $256 | $257 | $255 |
| ▁▂▅▄▆███ | Total Deposits ($M) | $286 | $292 | $305 | $301 | $307 | $314 | $317 | $315 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 8% |
| Agricultural | 3% |
| Consumer | 3% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 11% |