Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.28% | +0.14 | 1.14% |
| Return on Equity (%) | ▼ | 18.96% | -0.32 | 19.28% |
| Net Interest Margin (%) | ▲ | 3.74% | +0.22 | 3.52% |
| Efficiency Ratio (%) | ▲ | 50.13% | -4.79 | 54.93% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.18 | $1 |
| Cost of Funds (%) | ▲ | 1.03% | -0.21 | 1.24% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $187 | +13.67 | $173 |
| Gross Loans ($M) | ▲ | $94 | +6.10 | $88 |
| Loan Growth YoY (%) | ▼ | 53.37% | -1.19 | 54.56% |
| Total Deposits ($M) | ▲ | $173 | +14.66 | $158 |
| Shareholders Equity ($M) | ▲ | $13 | +2.08 | $11 |
| Tang. Book Value ($M) | ▲ | $13 | +2.08 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +2.56 | $15 |
| Loan / Deposit Ratio (%) | ▼ | 53.37% | -1.19 | 54.56% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.37% | -0.18 | 0.55% |
| Allowance / Loans (%) | — | 1.54% | 0.07% | 1.48% |
| Net Charge-Off Ratio (%) | ▲ | 0.74% | -0.34 | 1.08% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆▆▇██ | Net Interest Margin (%) | 3.05% | 3.12% | 3.48% | 3.52% | 3.55% | 3.63% | 3.68% | 3.74% |
| █▅▁▂▁▁▄▅ | Return on Assets (%) | 1.45% | 1.31% | 1.09% | 1.14% | 1.11% | 1.11% | 1.24% | 1.28% |
| ██▄▄▄▅▁▁ | Efficiency Ratio (%) | 61.9% | 62.1% | 55.6% | 54.9% | 56.0% | 56.9% | 51.4% | 50.1% |
| █▆▄▄▄▄▂▁ | Cost of Funds (%) | 1.59% | 1.43% | 1.26% | 1.24% | 1.25% | 1.28% | 1.15% | 1.03% |
| ▁▂█▅▆▃▃▂ | NPA / Assets (%) | 0.30% | 0.40% | 0.74% | 0.55% | 0.58% | 0.45% | 0.43% | 0.37% |
| ▁▂█▅▅▃▃▂ | Net Charge-Off Ratio (%) | 0.63% | 0.80% | 1.47% | 1.08% | 1.11% | 0.91% | 0.87% | 0.74% |
| ▆▁▃▄▇▇▇█ | Tang. Book Value ($M) | $12 | $9 | $10 | $11 | $12 | $12 | $12 | $13 |
| ▁▃▂▄▇▅▇█ | Gross Loans ($M) | $83 | $86 | $85 | $88 | $92 | $89 | $91 | $94 |
| ▂▂▂▃▁▆▆█ | Total Deposits ($M) | $156 | $156 | $156 | $158 | $152 | $167 | $166 | $173 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 75% |
| C&I / Commercial | 9% |
| Agricultural | 7% |
| Consumer | 7% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 38% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 7% |