Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.26% | +0.32 | 0.94% |
| Return on Equity (%) | ▲ | 12.15% | +2.69 | 9.46% |
| Net Interest Margin (%) | ▲ | 4.05% | +0.28 | 3.78% |
| Efficiency Ratio (%) | ▲ | 53.03% | -3.04 | 56.07% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.25 | $1 |
| Cost of Funds (%) | ▲ | 1.49% | -0.06 | 1.54% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $243 | +17.12 | $225 |
| Gross Loans ($M) | ▲ | $185 | +13.41 | $172 |
| Loan Growth YoY (%) | ▼ | 85.70% | -0.21 | 85.91% |
| Total Deposits ($M) | ▲ | $214 | +16.21 | $197 |
| Shareholders Equity ($M) | ▲ | $26 | +3.26 | $23 |
| Tang. Book Value ($M) | ▲ | $26 | +3.26 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +3.28 | $25 |
| Loan / Deposit Ratio (%) | ▼ | 85.70% | -0.21 | 85.91% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.65% | +0.65 | 0.00% |
| Allowance / Loans (%) | — | 1.07% | -0.12% | 1.19% |
| Net Charge-Off Ratio (%) | ▼ | 0.85% | +0.85 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.32% | +0.36 | 13.96% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▇▇█ | Net Interest Margin (%) | 3.49% | 3.54% | 3.68% | 3.78% | 3.91% | 3.96% | 3.95% | 4.05% |
| ▁▆▂▃▅█▆█ | Return on Assets (%) | 0.81% | 1.12% | 0.89% | 0.94% | 1.06% | 1.29% | 1.13% | 1.26% |
| █▇▆▅▂▁▃▁ | Efficiency Ratio (%) | 58.6% | 57.3% | 57.0% | 56.1% | 53.4% | 52.5% | 54.0% | 53.0% |
| █▇▁▃▁▂▁▁ | Cost of Funds (%) | 1.74% | 1.69% | 1.48% | 1.54% | 1.46% | 1.50% | 1.46% | 1.49% |
| ▃▃▃▁▁▄▃█ | NPA / Assets (%) | 0.16% | 0.17% | 0.17% | 0.00% | 0.00% | 0.25% | 0.24% | 0.65% |
| ▁▁▁▁▁▄▄█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.35% | 0.32% | 0.85% |
| ▁▂▁▂▃▇▅█ | Tang. Book Value ($M) | $22 | $23 | $22 | $23 | $24 | $26 | $25 | $26 |
| ▁▂▃▃▂▇██ | Gross Loans ($M) | $164 | $169 | $172 | $172 | $168 | $180 | $185 | $185 |
| ▁▂▁▁▆▇█▆ | Total Deposits ($M) | $194 | $200 | $198 | $197 | $212 | $215 | $221 | $214 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 51% |
| C&I / Commercial | 14% |
| Agricultural | 32% |
| Consumer | 1% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 20% |