Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | — | 1.29% | 0.00 | 1.29% |
| Return on Equity (%) | ▲ | 9.71% | +0.06 | 9.65% |
| Net Interest Margin (%) | ▲ | 3.84% | +0.16 | 3.68% |
| Efficiency Ratio (%) | ▲ | 53.37% | -1.87 | 55.24% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.08 | $1 |
| Cost of Funds (%) | ▲ | 1.33% | -0.03 | 1.35% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $176 | +5.58 | $170 |
| Gross Loans ($M) | ▼ | $85 | -2.03 | $87 |
| Loan Growth YoY (%) | ▼ | 54.89% | -3.80 | 58.68% |
| Total Deposits ($M) | ▲ | $151 | +5.75 | $145 |
| Shareholders Equity ($M) | ▼ | $23 | -0.31 | $24 |
| Tang. Book Value ($M) | ▼ | $23 | -0.31 | $24 |
| TBV excl. AOCI ($M)** | ▼ | $27 | -0.79 | $27 |
| Loan / Deposit Ratio (%) | ▼ | 54.89% | -3.80 | 58.68% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.36% | +0.19 | 0.17% |
| Allowance / Loans (%) | — | 2.47% | 0.44% | 2.03% |
| Net Charge-Off Ratio (%) | ▼ | 0.75% | +0.42 | 0.33% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▆▁▅▆▇▆█ | Net Interest Margin (%) | 3.74% | 3.72% | 3.50% | 3.68% | 3.74% | 3.79% | 3.75% | 3.84% |
| ▅▂▅▇▂▁█▇ | Return on Assets (%) | 1.18% | 1.04% | 1.20% | 1.29% | 1.08% | 1.00% | 1.35% | 1.29% |
| ▆▅▆▅▄█▃▁ | Efficiency Ratio (%) | 55.8% | 55.5% | 55.5% | 55.2% | 55.0% | 56.8% | 54.6% | 53.4% |
| ▇▇▁▆█▅▁▅ | Cost of Funds (%) | 1.36% | 1.37% | 1.25% | 1.35% | 1.40% | 1.33% | 1.27% | 1.33% |
| ▃▃▂▁▁█▂▆ | NPA / Assets (%) | 0.24% | 0.23% | 0.21% | 0.17% | 0.16% | 0.44% | 0.23% | 0.36% |
| ▃▃▃▁▁█▄█ | Net Charge-Off Ratio (%) | 0.44% | 0.43% | 0.47% | 0.33% | 0.29% | 0.80% | 0.51% | 0.75% |
| ▃▁▄▇█▃▄▆ | Tang. Book Value ($M) | $22 | $22 | $23 | $24 | $24 | $23 | $23 | $23 |
| ▅▆▁▆██▁▄ | Gross Loans ($M) | $86 | $87 | $79 | $87 | $90 | $91 | $80 | $85 |
| ▁▃█▅▂▃█▇ | Total Deposits ($M) | $132 | $138 | $156 | $145 | $135 | $140 | $155 | $151 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 48% |
| C&I / Commercial | 6% |
| Agricultural | 41% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 8% |