Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.01% | -0.08 | 2.10% |
| Return on Equity (%) | ▼ | 18.49% | -0.22 | 18.71% |
| Net Interest Margin (%) | ▼ | 6.07% | -0.22 | 6.29% |
| Efficiency Ratio (%) | ▲ | 63.42% | -0.39 | 63.81% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.19 | $2 |
| Cost of Funds (%) | ▲ | 0.86% | -0.03 | 0.89% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $339 | +31.88 | $307 |
| Gross Loans ($M) | ▲ | $263 | +12.82 | $250 |
| Loan Growth YoY (%) | ▼ | 86.89% | -4.83 | 91.72% |
| Total Deposits ($M) | ▲ | $299 | +29.50 | $269 |
| Shareholders Equity ($M) | ▲ | $37 | +2.21 | $35 |
| Tang. Book Value ($M) | ▲ | $37 | +2.21 | $35 |
| Loan / Deposit Ratio (%) | ▼ | 86.89% | -4.83 | 91.72% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.69% | -0.18 | 0.87% |
| Allowance / Loans (%) | — | 1.13% | 0.02% | 1.11% |
| Net Charge-Off Ratio (%) | ▲ | 0.84% | -0.21 | 1.05% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆█▆▇██▁▂ | Net Interest Margin (%) | 6.25% | 6.32% | 6.25% | 6.29% | 6.35% | 6.35% | 5.99% | 6.07% |
| █▅▄▆▇▄▁▄ | Return on Assets (%) | 2.20% | 2.04% | 2.02% | 2.10% | 2.13% | 2.00% | 1.87% | 2.01% |
| ▁▇▅▅▅█▆▄ | Efficiency Ratio (%) | 61.6% | 64.4% | 63.8% | 63.8% | 63.5% | 65.3% | 64.1% | 63.4% |
| ▄█▆▆▇▃▁▂ | Cost of Funds (%) | 0.88% | 0.91% | 0.89% | 0.89% | 0.90% | 0.87% | 0.85% | 0.86% |
| ▃█▆▂▃▂▁▁ | NPA / Assets (%) | 0.97% | 1.56% | 1.30% | 0.87% | 0.94% | 0.81% | 0.76% | 0.69% |
| ▄█▆▂▃▂▁▁ | Net Charge-Off Ratio (%) | 1.27% | 1.85% | 1.58% | 1.05% | 1.11% | 1.00% | 0.94% | 0.84% |
| ▂▁▃▄█▅██ | Tang. Book Value ($M) | $33 | $33 | $34 | $35 | $36 | $35 | $37 | $37 |
| ▁▄▄▅▆▇▇█ | Gross Loans ($M) | $230 | $242 | $242 | $250 | $254 | $256 | $258 | $263 |
| ▁▂▂▃▄▇██ | Total Deposits ($M) | $258 | $264 | $264 | $269 | $274 | $292 | $294 | $299 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 9% |
| Agricultural | 3% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 10% |