Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.63% | +0.09 | 1.54% |
| Return on Equity (%) | ▼ | 14.90% | -0.10 | 15.00% |
| Net Interest Margin (%) | ▲ | 4.35% | +0.36 | 3.98% |
| Efficiency Ratio (%) | ▲ | 46.67% | -4.02 | 50.68% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.08 | $1 |
| Cost of Funds (%) | ▲ | 1.67% | -0.05 | 1.72% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $241 | -0.89 | $242 |
| Gross Loans ($M) | ▲ | $202 | +4.85 | $197 |
| Loan Growth YoY (%) | ▲ | 94.98% | +5.06 | 89.92% |
| Total Deposits ($M) | ▼ | $208 | -6.36 | $215 |
| Shareholders Equity ($M) | ▲ | $27 | +1.60 | $26 |
| Tang. Book Value ($M) | ▲ | $27 | +1.60 | $26 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +1.54 | $27 |
| Loan / Deposit Ratio (%) | ▲ | 94.98% | +5.06 | 89.92% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.55% | -0.85 | 1.39% |
| Allowance / Loans (%) | — | 1.92% | -0.03% | 1.95% |
| Net Charge-Off Ratio (%) | ▲ | 0.65% | -1.06 | 1.71% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▅▅▆██ | Net Interest Margin (%) | 3.50% | 3.62% | 3.85% | 3.98% | 4.03% | 4.09% | 4.34% | 4.35% |
| ▁▂▁▄▁▁█▅ | Return on Assets (%) | 1.37% | 1.38% | 1.30% | 1.54% | 1.36% | 1.31% | 1.91% | 1.63% |
| █▇▆▃▆▆▁▁ | Efficiency Ratio (%) | 58.2% | 56.6% | 54.1% | 50.7% | 55.2% | 54.5% | 46.4% | 46.7% |
| ██▄▆▅▅▁▅ | Cost of Funds (%) | 1.81% | 1.86% | 1.62% | 1.72% | 1.70% | 1.68% | 1.45% | 1.67% |
| ▁▁▅█▄▄▅▄ | NPA / Assets (%) | 0.03% | 0.10% | 0.77% | 1.39% | 0.56% | 0.69% | 0.77% | 0.55% |
| ▁▁▅█▄▄▅▄ | Net Charge-Off Ratio (%) | 0.00% | 0.10% | 0.98% | 1.71% | 0.68% | 0.85% | 0.91% | 0.65% |
| ▁▁▂▄▅▆██ | Tang. Book Value ($M) | $24 | $24 | $25 | $26 | $26 | $26 | $27 | $27 |
| ▁▃▄▆█▇██ | Gross Loans ($M) | $182 | $189 | $192 | $197 | $201 | $198 | $202 | $202 |
| ▇▁▅▅▇▅█▁ | Total Deposits ($M) | $219 | $206 | $215 | $215 | $219 | $216 | $223 | $208 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 57% |
| C&I / Commercial | 20% |
| Agricultural | 18% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 4% |
| Interest-Bearing (core) | 90% |
| Brokered / Other | 6% |