Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.41% | -0.03 | 1.44% |
| Return on Equity (%) | ▲ | 10.95% | +0.20 | 10.75% |
| Net Interest Margin (%) | ▼ | 4.29% | -0.10 | 4.39% |
| Efficiency Ratio (%) | ▼ | 59.75% | +0.74 | 59.01% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.01 | $2 |
| Cost of Funds (%) | ▲ | 1.89% | -0.13 | 2.03% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $391 | +12.69 | $379 |
| Gross Loans ($M) | ▲ | $307 | +6.25 | $301 |
| Loan Growth YoY (%) | ▼ | 90.62% | -4.31 | 94.93% |
| Total Deposits ($M) | ▲ | $335 | +21.88 | $313 |
| Shareholders Equity ($M) | ▲ | $52 | +0.35 | $52 |
| Tang. Book Value ($M) | ▲ | $52 | +0.35 | $52 |
| TBV excl. AOCI ($M)** | ▲ | $54 | +0.64 | $54 |
| Loan / Deposit Ratio (%) | ▼ | 90.62% | -4.31 | 94.93% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.21% | +0.10 | 0.11% |
| Allowance / Loans (%) | — | 1.30% | -0.05% | 1.35% |
| Net Charge-Off Ratio (%) | ▼ | 0.26% | +0.12 | 0.14% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▁▇██▁▄ | Net Interest Margin (%) | 4.23% | 4.23% | 4.18% | 4.39% | 4.41% | 4.43% | 4.18% | 4.29% |
| ▃▄▁▅▇█▁▄ | Return on Assets (%) | 1.36% | 1.39% | 1.29% | 1.44% | 1.50% | 1.54% | 1.32% | 1.41% |
| ▅▄▇▄▂▁█▆ | Efficiency Ratio (%) | 59.6% | 59.0% | 60.6% | 59.0% | 57.8% | 56.7% | 61.5% | 59.8% |
| ██▄▃▃▃▁▁ | Cost of Funds (%) | 2.32% | 2.33% | 2.10% | 2.03% | 2.05% | 2.02% | 1.91% | 1.89% |
| █▃▄▁▁▅▄█ | NPA / Assets (%) | 0.20% | 0.14% | 0.16% | 0.11% | 0.11% | 0.16% | 0.15% | 0.21% |
| ▇▃▄▁▁▅▅█ | Net Charge-Off Ratio (%) | 0.25% | 0.18% | 0.20% | 0.14% | 0.14% | 0.21% | 0.21% | 0.26% |
| ▁▁▄▆█▃▅▇ | Tang. Book Value ($M) | $48 | $49 | $51 | $52 | $53 | $50 | $51 | $52 |
| ▅▆▂▄█▅▁█ | Gross Loans ($M) | $302 | $304 | $296 | $301 | $309 | $302 | $294 | $307 |
| ▁▁▁▁▃██▇ | Total Deposits ($M) | $314 | $314 | $313 | $313 | $321 | $339 | $339 | $335 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 8% |
| Agricultural | 8% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 10% |