Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.14% | +0.26 | 1.88% |
| Return on Equity (%) | ▲ | 21.01% | +1.48 | 19.53% |
| Net Interest Margin (%) | ▲ | 4.51% | +0.34 | 4.17% |
| Efficiency Ratio (%) | ▲ | 47.99% | -5.13 | 53.12% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.49 | $1 |
| Cost of Funds (%) | ▲ | 1.33% | -0.38 | 1.72% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $280 | +11.88 | $268 |
| Gross Loans ($M) | ▲ | $174 | +17.90 | $156 |
| Loan Growth YoY (%) | ▲ | 68.92% | +4.88 | 64.04% |
| Total Deposits ($M) | ▲ | $248 | +8.42 | $239 |
| Shareholders Equity ($M) | ▲ | $29 | +3.46 | $26 |
| Tang. Book Value ($M) | ▲ | $27 | +3.50 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +3.40 | $27 |
| Loan / Deposit Ratio (%) | ▲ | 68.92% | +4.88 | 64.04% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.41% | -0.30 | 0.71% |
| Allowance / Loans (%) | — | 1.89% | 0.05% | 1.84% |
| Net Charge-Off Ratio (%) | ▲ | 0.67% | -0.55 | 1.22% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▁▁▁▂▄▆█ | Net Interest Margin (%) | 4.22% | 4.20% | 4.20% | 4.17% | 4.25% | 4.30% | 4.42% | 4.51% |
| ▆▂▇▄▂▁▄█ | Return on Assets (%) | 2.02% | 1.75% | 2.04% | 1.88% | 1.72% | 1.64% | 1.85% | 2.14% |
| ▃▅▅▅▇█▄▁ | Efficiency Ratio (%) | 51.7% | 53.8% | 53.8% | 53.1% | 56.7% | 58.1% | 52.1% | 48.0% |
| ██▆▅▅▃▁▁ | Cost of Funds (%) | 1.95% | 1.92% | 1.74% | 1.72% | 1.66% | 1.51% | 1.36% | 1.33% |
| ▁█▆▇▅▂▃▂ | NPA / Assets (%) | 0.33% | 0.77% | 0.63% | 0.71% | 0.57% | 0.44% | 0.47% | 0.41% |
| ▁█▆█▅▃▃▂ | Net Charge-Off Ratio (%) | 0.47% | 1.28% | 1.08% | 1.22% | 0.97% | 0.68% | 0.75% | 0.67% |
| ▆▁▂▂▇▆▇█ | Tang. Book Value ($M) | $25 | $22 | $23 | $23 | $26 | $26 | $26 | $27 |
| ▂▁▁▁▁▆█▆ | Gross Loans ($M) | $160 | $157 | $157 | $156 | $159 | $174 | $181 | $174 |
| ▁▃▄▄▄▆█▆ | Total Deposits ($M) | $223 | $235 | $239 | $239 | $239 | $247 | $257 | $248 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 50% |
| C&I / Commercial | 11% |
| Agricultural | 26% |
| Consumer | 5% |
| Other | 9% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 53% |
| Brokered / Other | 23% |