Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.02% | +0.31 | 0.72% |
| Return on Equity (%) | ▲ | 10.58% | +3.17 | 7.41% |
| Net Interest Margin (%) | ▲ | 4.17% | +0.34 | 3.84% |
| Efficiency Ratio (%) | ▲ | 62.89% | -6.37 | 69.26% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.16 | $0 |
| Cost of Funds (%) | ▲ | 1.89% | -0.15 | 2.05% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $140 | +9.46 | $131 |
| Gross Loans ($M) | ▲ | $117 | +7.95 | $109 |
| Loan Growth YoY (%) | ▲ | 99.81% | +3.16 | 96.65% |
| Total Deposits ($M) | ▲ | $115 | +4.48 | $111 |
| Shareholders Equity ($M) | ▲ | $14 | +0.97 | $13 |
| Tang. Book Value ($M) | ▲ | $14 | +0.97 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 99.81% | +3.16 | 96.65% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.05% | -0.14 | 0.20% |
| Allowance / Loans (%) | — | 1.19% | -0.12% | 1.31% |
| Net Charge-Off Ratio (%) | ▲ | 0.06% | -0.17 | 0.24% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 11.91% | -0.26 | 12.17% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▄▆█ | Net Interest Margin (%) | 3.66% | 3.68% | 3.79% | 3.84% | 3.88% | 3.90% | 4.03% | 4.17% |
| ▁▂▁▂▂▅▇█ | Return on Assets (%) | 0.62% | 0.72% | 0.65% | 0.72% | 0.71% | 0.82% | 0.95% | 1.02% |
| ███▇▆▅▁▁ | Efficiency Ratio (%) | 71.3% | 70.7% | 70.8% | 69.3% | 68.3% | 67.5% | 63.0% | 62.9% |
| ██▆▃▄▂▂▁ | Cost of Funds (%) | 2.34% | 2.32% | 2.19% | 2.05% | 2.07% | 1.97% | 2.00% | 1.89% |
| ▄▄▅▅▄▃█▁ | NPA / Assets (%) | 0.16% | 0.16% | 0.17% | 0.20% | 0.16% | 0.13% | 0.28% | 0.05% |
| ▄▅▅▆▄▄█▁ | Net Charge-Off Ratio (%) | 0.20% | 0.21% | 0.21% | 0.24% | 0.20% | 0.17% | 0.34% | 0.06% |
| ▂▂▁▃▃█▆█ | Tang. Book Value ($M) | $13 | $13 | $13 | $13 | $13 | $14 | $13 | $14 |
| ▄▁▂▂▄▄█▇ | Gross Loans ($M) | $112 | $106 | $108 | $109 | $111 | $111 | $118 | $117 |
| ▁▂▂▂▄█▇▄ | Total Deposits ($M) | $109 | $112 | $111 | $111 | $114 | $122 | $119 | $115 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 64% |
| C&I / Commercial | 15% |
| Agricultural | 16% |
| Consumer | 3% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 9% |