Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.67% | +0.25 | 1.42% |
| Return on Equity (%) | ▲ | 13.11% | +1.04 | 12.07% |
| Net Interest Margin (%) | ▲ | 4.54% | +0.22 | 4.32% |
| Efficiency Ratio (%) | ▼ | 48.20% | +0.49 | 47.71% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.01 | $1 |
| Cost of Funds (%) | ▲ | 1.35% | -0.18 | 1.53% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $174 | +7.66 | $166 |
| Gross Loans ($M) | ▲ | $128 | +12.83 | $115 |
| Loan Growth YoY (%) | ▲ | 90.31% | +10.78 | 79.53% |
| Total Deposits ($M) | ▼ | $140 | -3.07 | $143 |
| Shareholders Equity ($M) | ▲ | $22 | +2.57 | $20 |
| Tang. Book Value ($M) | ▲ | $22 | +2.60 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +2.35 | $22 |
| Loan / Deposit Ratio (%) | ▲ | 90.31% | +10.78 | 79.53% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.24% | -0.10 | 0.34% |
| Allowance / Loans (%) | — | 1.15% | -0.00% | 1.16% |
| Net Charge-Off Ratio (%) | ▲ | 0.33% | -0.17 | 0.49% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▇██ | Net Interest Margin (%) | 4.01% | 4.03% | 4.23% | 4.32% | 4.40% | 4.44% | 4.54% | 4.54% |
| ██▁▁▃▁▇▅ | Return on Assets (%) | 1.91% | 1.85% | 1.38% | 1.42% | 1.51% | 1.37% | 1.81% | 1.67% |
| ▇██▆▄▄▁▇ | Efficiency Ratio (%) | 48.0% | 48.4% | 48.6% | 47.7% | 47.0% | 47.0% | 45.8% | 48.2% |
| ██▅▆▆▅▁▁ | Cost of Funds (%) | 1.62% | 1.60% | 1.49% | 1.53% | 1.54% | 1.48% | 1.31% | 1.35% |
| ▂▄▅▄█▄▂▁ | NPA / Assets (%) | 0.28% | 0.33% | 0.35% | 0.34% | 0.46% | 0.33% | 0.28% | 0.24% |
| ▃▄▅▄█▄▂▁ | Net Charge-Off Ratio (%) | 0.43% | 0.49% | 0.52% | 0.49% | 0.67% | 0.47% | 0.40% | 0.33% |
| ▁▁▂▄▅▆▇█ | Tang. Book Value ($M) | $19 | $18 | $19 | $20 | $21 | $21 | $22 | $22 |
| ▁▂▃▅▅▆▆█ | Gross Loans ($M) | $102 | $107 | $110 | $115 | $116 | $119 | $121 | $128 |
| ▁▄▃▆▄▇█▅ | Total Deposits ($M) | $130 | $139 | $137 | $143 | $138 | $146 | $149 | $140 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 48% |
| C&I / Commercial | 14% |
| Agricultural | 29% |
| Consumer | 9% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 8% |