Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.83% | +0.35 | 1.48% |
| Return on Equity (%) | ▲ | 16.54% | +2.92 | 13.62% |
| Net Interest Margin (%) | ▲ | 4.30% | +0.26 | 4.04% |
| Efficiency Ratio (%) | ▲ | 58.25% | -6.12 | 64.37% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $1 |
| Cost of Funds (%) | ▲ | 1.69% | -0.13 | 1.82% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $195 | +7.30 | $187 |
| Gross Loans ($M) | ▲ | $161 | +6.44 | $155 |
| Loan Growth YoY (%) | ▼ | 95.08% | -4.38 | 99.46% |
| Total Deposits ($M) | ▲ | $168 | +13.69 | $154 |
| Shareholders Equity ($M) | ▲ | $22 | +1.52 | $21 |
| Tang. Book Value ($M) | ▲ | $21 | +1.65 | $20 |
| Loan / Deposit Ratio (%) | ▼ | 95.08% | -4.38 | 99.46% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.09% | +0.04 | 0.05% |
| Allowance / Loans (%) | — | 1.09% | 0.06% | 1.03% |
| Net Charge-Off Ratio (%) | ▼ | 0.11% | +0.04 | 0.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.45% | +0.31 | 12.14% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▄▄▅▇█ | Net Interest Margin (%) | 3.87% | 3.90% | 3.91% | 4.04% | 4.07% | 4.09% | 4.21% | 4.30% |
| ▃▁▄▅▅▁██ | Return on Assets (%) | 1.34% | 1.10% | 1.42% | 1.48% | 1.48% | 1.18% | 1.83% | 1.83% |
| ▆█▅▄▄▆▁▁ | Efficiency Ratio (%) | 67.0% | 72.4% | 65.5% | 64.4% | 63.7% | 67.1% | 57.4% | 58.2% |
| █▆▄▄▇▆▂▁ | Cost of Funds (%) | 2.04% | 1.95% | 1.85% | 1.82% | 1.99% | 1.95% | 1.75% | 1.69% |
| ▁▁▁▃▁▆█▆ | NPA / Assets (%) | 0.03% | 0.02% | 0.02% | 0.05% | 0.02% | 0.09% | 0.11% | 0.09% |
| ▁▁▁▃▁▆█▆ | Net Charge-Off Ratio (%) | 0.03% | 0.03% | 0.03% | 0.06% | 0.02% | 0.10% | 0.14% | 0.11% |
| ▁▁▂▄▆▅▇█ | Tang. Book Value ($M) | $19 | $18 | $19 | $20 | $20 | $20 | $21 | $21 |
| ▁▂▄▆▇█▇█ | Gross Loans ($M) | $142 | $146 | $151 | $155 | $159 | $161 | $158 | $161 |
| ▁▃▄▄▄▅█▇ | Total Deposits ($M) | $139 | $151 | $156 | $154 | $154 | $160 | $174 | $168 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 8% |
| Agricultural | 15% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 14% |