Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.48% | +0.08 | 0.40% |
| Return on Equity (%) | ▲ | 6.66% | +0.53 | 6.13% |
| Net Interest Margin (%) | ▲ | 2.53% | +0.15 | 2.38% |
| Efficiency Ratio (%) | ▲ | 69.69% | -3.92 | 73.62% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.18 | $1 |
| Cost of Funds (%) | ▲ | 2.23% | -0.21 | 2.45% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $323 | +16.80 | $306 |
| Gross Loans ($M) | ▲ | $212 | +2.01 | $210 |
| Loan Growth YoY (%) | ▼ | 74.01% | -4.09 | 78.09% |
| Total Deposits ($M) | ▲ | $283 | +16.92 | $266 |
| Shareholders Equity ($M) | ▲ | $24 | +2.74 | $21 |
| Tang. Book Value ($M) | ▲ | $24 | +2.74 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +3.15 | $25 |
| Loan / Deposit Ratio (%) | ▼ | 74.01% | -4.09 | 78.09% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.25% | +0.04 | 0.21% |
| Allowance / Loans (%) | — | 1.26% | 0.17% | 1.10% |
| Net Charge-Off Ratio (%) | ▼ | 0.39% | +0.08 | 0.31% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▄██▃█ | Net Interest Margin (%) | 2.27% | 2.27% | 2.25% | 2.38% | 2.54% | 2.52% | 2.34% | 2.53% |
| ▇▆▆▄▇█▁▅ | Return on Assets (%) | 0.60% | 0.56% | 0.51% | 0.40% | 0.66% | 0.76% | 0.06% | 0.48% |
| ▇▆█▆▃▁▆▃ | Efficiency Ratio (%) | 74.4% | 73.4% | 75.9% | 73.6% | 69.6% | 67.0% | 73.4% | 69.7% |
| █▆▆▅▁▆▂▁ | Cost of Funds (%) | 2.58% | 2.49% | 2.48% | 2.45% | 2.26% | 2.48% | 2.31% | 2.23% |
| ▂▂▁▁▁▁█▂ | NPA / Assets (%) | 0.23% | 0.23% | 0.20% | 0.21% | 0.18% | 0.16% | 0.67% | 0.25% |
| ▂▂▁▁▁▁█▂ | Net Charge-Off Ratio (%) | 0.35% | 0.36% | 0.30% | 0.31% | 0.26% | 0.24% | 1.06% | 0.39% |
| ▁▁▂▄▆▇▇█ | Tang. Book Value ($M) | $19 | $19 | $20 | $21 | $22 | $23 | $23 | $24 |
| ▁▃▄▇██▃█ | Gross Loans ($M) | $199 | $203 | $206 | $210 | $213 | $213 | $203 | $212 |
| ▁▄▁▂▁███ | Total Deposits ($M) | $262 | $271 | $263 | $266 | $263 | $281 | $282 | $283 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 65% |
| C&I / Commercial | 8% |
| Agricultural | 24% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 7% |