Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.51% | +0.01 | 0.50% |
| Return on Equity (%) | ▼ | 5.05% | -0.13 | 5.18% |
| Net Interest Margin (%) | ▲ | 3.31% | +0.36 | 2.95% |
| Efficiency Ratio (%) | ▼ | 79.93% | +0.83 | 79.10% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.24 | $1 |
| Cost of Funds (%) | ▲ | 1.68% | -0.29 | 1.96% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $354 | +6.41 | $348 |
| Gross Loans ($M) | ▼ | $196 | -23.82 | $220 |
| Loan Growth YoY (%) | ▼ | 60.94% | -8.74 | 69.68% |
| Total Deposits ($M) | ▲ | $317 | +5.60 | $312 |
| Shareholders Equity ($M) | ▲ | $36 | +0.90 | $35 |
| Tang. Book Value ($M) | ▲ | $36 | +0.90 | $35 |
| TBV excl. AOCI ($M)** | ▲ | $40 | +2.10 | $38 |
| Loan / Deposit Ratio (%) | ▼ | 60.94% | -8.74 | 69.68% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.06 | 0.06% |
| Allowance / Loans (%) | — | 1.52% | 0.17% | 1.36% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 17.05% | +0.97 | 16.08% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▆██ | Net Interest Margin (%) | 2.63% | 2.60% | 2.87% | 2.95% | 3.01% | 3.07% | 3.23% | 3.31% |
| ▁▃▄▆▆▆█▆ | Return on Assets (%) | 0.15% | 0.33% | 0.42% | 0.50% | 0.53% | 0.52% | 0.70% | 0.51% |
| ██▄▃▃▃▁▄ | Efficiency Ratio (%) | 92.5% | 91.8% | 81.1% | 79.1% | 78.6% | 77.6% | 72.0% | 79.9% |
| █▆▅▄▄▁▁▁ | Cost of Funds (%) | 2.49% | 2.18% | 2.12% | 1.96% | 1.92% | 1.67% | 1.56% | 1.68% |
| ██▄▂▂▄▆▁ | NPA / Assets (%) | 0.23% | 0.24% | 0.11% | 0.06% | 0.06% | 0.11% | 0.15% | 0.00% |
| ██▁▁▁▅█▁ | Net Charge-Off Ratio (%) | 0.17% | 0.18% | 0.00% | 0.00% | 0.00% | 0.10% | 0.19% | 0.00% |
| ▂▁▃▆▇███ | Tang. Book Value ($M) | $34 | $33 | $35 | $35 | $36 | $36 | $36 | $36 |
| █▆▄▄▂▁▁▁ | Gross Loans ($M) | $257 | $235 | $224 | $220 | $207 | $198 | $195 | $196 |
| ▅█▃▄▁▃▇▅ | Total Deposits ($M) | $317 | $338 | $309 | $312 | $295 | $308 | $328 | $317 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 75% |
| C&I / Commercial | 13% |
| Agricultural | 8% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 29% |