Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.99% | +0.09 | 1.89% |
| Return on Equity (%) | ▲ | 14.74% | +0.34 | 14.40% |
| Net Interest Margin (%) | ▲ | 5.58% | +0.05 | 5.53% |
| Efficiency Ratio (%) | ▲ | 62.57% | -0.50 | 63.07% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $0 |
| Cost of Funds (%) | ▲ | 1.40% | -0.06 | 1.46% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $104 | +5.68 | $98 |
| Gross Loans ($M) | ▲ | $76 | +1.30 | $75 |
| Loan Growth YoY (%) | ▼ | 84.77% | -3.00 | 87.77% |
| Total Deposits ($M) | ▲ | $89 | +4.52 | $84 |
| Shareholders Equity ($M) | ▲ | $14 | +1.19 | $13 |
| Tang. Book Value ($M) | ▲ | $14 | +1.19 | $13 |
| Loan / Deposit Ratio (%) | ▼ | 84.77% | -3.00 | 87.77% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.06% | +0.52 | 0.54% |
| Allowance / Loans (%) | — | 1.10% | -0.02% | 1.12% |
| Net Charge-Off Ratio (%) | ▼ | 1.32% | +0.63 | 0.69% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄██▄▆ | Net Interest Margin (%) | 5.40% | 5.42% | 5.44% | 5.53% | 5.67% | 5.67% | 5.53% | 5.58% |
| ▃▁▆▅▇▄█▇ | Return on Assets (%) | 1.76% | 1.59% | 1.96% | 1.89% | 2.02% | 1.80% | 2.08% | 1.99% |
| ▆█▁▂▁▅▁▂ | Efficiency Ratio (%) | 66.9% | 70.2% | 61.4% | 63.1% | 60.9% | 66.0% | 61.8% | 62.6% |
| ▁▄▃▆█▆▁▃ | Cost of Funds (%) | 1.36% | 1.42% | 1.40% | 1.46% | 1.51% | 1.46% | 1.36% | 1.40% |
| ▅▃█▁▁▁▅▄ | NPA / Assets (%) | 1.19% | 0.85% | 1.66% | 0.54% | 0.51% | 0.48% | 1.13% | 1.06% |
| ▅▃█▁▁▁▅▅ | Net Charge-Off Ratio (%) | 1.45% | 1.03% | 2.11% | 0.69% | 0.65% | 0.51% | 1.45% | 1.32% |
| ▁▄▅▅▇███ | Tang. Book Value ($M) | $11 | $12 | $12 | $13 | $13 | $14 | $14 | $14 |
| ▁▄▆▅▅▆▇█ | Gross Loans ($M) | $74 | $75 | $75 | $75 | $75 | $76 | $76 | $76 |
| ▁▁▄▅▃▄██ | Total Deposits ($M) | $78 | $77 | $83 | $84 | $81 | $83 | $91 | $89 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 75% |
| C&I / Commercial | 4% |
| Agricultural | 11% |
| Consumer | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 4% |