Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.57% | +0.15 | 1.42% |
| Return on Equity (%) | ▲ | 17.79% | +2.13 | 15.66% |
| Net Interest Margin (%) | ▲ | 3.75% | +0.30 | 3.44% |
| Efficiency Ratio (%) | ▲ | 50.98% | -8.73 | 59.71% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.18 | $1 |
| Cost of Funds (%) | ▲ | 2.10% | -0.10 | 2.19% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $178 | +13.05 | $165 |
| Gross Loans ($M) | ▲ | $131 | +7.05 | $124 |
| Loan Growth YoY (%) | ▲ | 92.88% | +4.12 | 88.76% |
| Total Deposits ($M) | ▲ | $140 | +1.26 | $138 |
| Shareholders Equity ($M) | ▲ | $16 | +0.86 | $15 |
| Tang. Book Value ($M) | ▲ | $16 | +0.86 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 92.88% | +4.12 | 88.76% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.27% | -0.71 | 1.98% |
| Allowance / Loans (%) | — | 0.98% | 0.09% | 0.89% |
| Net Charge-Off Ratio (%) | ▲ | 1.72% | -0.91 | 2.64% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆▇█ | Net Interest Margin (%) | 3.01% | 3.08% | 3.33% | 3.44% | 3.47% | 3.54% | 3.65% | 3.75% |
| ▁▁▆▆▆▄█▇ | Return on Assets (%) | 0.78% | 0.72% | 1.37% | 1.42% | 1.40% | 1.12% | 1.70% | 1.57% |
| ██▄▄▄▆▁▂ | Efficiency Ratio (%) | 73.3% | 75.9% | 60.0% | 59.7% | 59.5% | 65.0% | 46.4% | 51.0% |
| █▇▂▅▄▄▁▂ | Cost of Funds (%) | 2.30% | 2.24% | 2.09% | 2.19% | 2.15% | 2.16% | 2.06% | 2.10% |
| ▁▁▂█▆▁▄▅ | NPA / Assets (%) | 0.33% | 0.17% | 0.40% | 1.98% | 1.38% | 0.23% | 0.92% | 1.27% |
| ▁▁▂█▆▁▄▅ | Net Charge-Off Ratio (%) | 0.45% | 0.24% | 0.57% | 2.64% | 1.93% | 0.32% | 1.24% | 1.72% |
| ▃▁▃▆█▄▆█ | Tang. Book Value ($M) | $15 | $14 | $15 | $15 | $16 | $15 | $16 | $16 |
| ▁▁▁▅▅▇██ | Gross Loans ($M) | $114 | $113 | $115 | $124 | $124 | $128 | $130 | $131 |
| ▁▁▃▁▆█▃▂ | Total Deposits ($M) | $136 | $138 | $142 | $138 | $151 | $158 | $144 | $140 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 61% |
| C&I / Commercial | 12% |
| Agricultural | 22% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 12% |