Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.29% | +0.53 | 1.76% |
| Return on Equity (%) | ▲ | 14.59% | +2.95 | 11.64% |
| Net Interest Margin (%) | ▲ | 4.59% | +0.56 | 4.03% |
| Efficiency Ratio (%) | ▲ | 45.99% | -6.64 | 52.63% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.30 | $1 |
| Cost of Funds (%) | ▲ | 1.48% | -0.14 | 1.62% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $123 | +7.47 | $115 |
| Gross Loans ($M) | ▲ | $68 | +8.50 | $60 |
| Loan Growth YoY (%) | ▲ | 64.97% | +4.32 | 60.64% |
| Total Deposits ($M) | ▲ | $104 | +6.73 | $97 |
| Shareholders Equity ($M) | ▲ | $19 | +0.75 | $18 |
| Tang. Book Value ($M) | ▲ | $19 | +0.75 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +0.47 | $19 |
| Loan / Deposit Ratio (%) | ▲ | 64.97% | +4.32 | 60.64% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.18% | +1.00 | 0.18% |
| Allowance / Loans (%) | — | 0.80% | -0.23% | 1.03% |
| Net Charge-Off Ratio (%) | ▼ | 2.12% | +1.77 | 0.35% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▄▅▅█ | Net Interest Margin (%) | 3.69% | 3.64% | 3.80% | 4.03% | 4.08% | 4.12% | 4.16% | 4.59% |
| ▃▁▂▃▄▂▃█ | Return on Assets (%) | 1.71% | 1.44% | 1.62% | 1.76% | 1.82% | 1.62% | 1.73% | 2.29% |
| ▆█▆▄▄▇▅▁ | Efficiency Ratio (%) | 55.6% | 61.1% | 55.7% | 52.6% | 52.2% | 57.5% | 53.8% | 46.0% |
| ▇█▅▃▃▄▂▁ | Cost of Funds (%) | 1.95% | 2.04% | 1.79% | 1.62% | 1.66% | 1.72% | 1.56% | 1.48% |
| ▁▄▄▁▆█▃▇ | NPA / Assets (%) | 0.23% | 0.84% | 0.75% | 0.18% | 1.15% | 1.51% | 0.64% | 1.18% |
| ▁▅▅▁██▃▇ | Net Charge-Off Ratio (%) | 0.48% | 1.60% | 1.44% | 0.35% | 2.26% | 2.50% | 1.02% | 2.12% |
| ▃▁▄▆▇▆██ | Tang. Book Value ($M) | $17 | $16 | $17 | $18 | $18 | $18 | $18 | $19 |
| ▁▂▂▃▂▆█▇ | Gross Loans ($M) | $55 | $57 | $59 | $60 | $57 | $67 | $72 | $68 |
| ▄▁▂▄▂▁▃█ | Total Deposits ($M) | $97 | $93 | $96 | $97 | $95 | $93 | $96 | $104 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 14% |
| C&I / Commercial | 38% |
| Agricultural | 39% |
| Consumer | 9% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 33% |
| Interest-Bearing (core) | 45% |
| Brokered / Other | 22% |