Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.59% | -0.08 | 1.67% |
| Return on Equity (%) | ▼ | 8.30% | -0.42 | 8.72% |
| Net Interest Margin (%) | ▲ | 4.15% | +0.44 | 3.71% |
| Efficiency Ratio (%) | ▲ | 46.29% | -0.55 | 46.84% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.24 | $1 |
| Cost of Funds (%) | ▲ | 0.96% | -0.20 | 1.17% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $201 | +9.42 | $192 |
| Gross Loans ($M) | ▲ | $109 | +8.21 | $101 |
| Loan Growth YoY (%) | ▲ | 73.59% | +6.06 | 67.53% |
| Total Deposits ($M) | ▲ | $146 | +0.23 | $146 |
| Shareholders Equity ($M) | ▲ | $38 | +0.88 | $38 |
| Tang. Book Value ($M) | ▲ | $38 | +0.88 | $38 |
| TBV excl. AOCI ($M)** | ▲ | $42 | +0.88 | $42 |
| Loan / Deposit Ratio (%) | ▲ | 73.59% | +6.06 | 67.53% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.66% | -0.37 | 1.03% |
| Allowance / Loans (%) | — | 1.25% | -0.92% | 2.17% |
| Net Charge-Off Ratio (%) | ▲ | 1.23% | -0.74 | 1.96% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▇███ | Net Interest Margin (%) | 3.41% | 3.48% | 3.71% | 3.71% | 3.98% | 4.06% | 4.08% | 4.15% |
| ▄▅▅▄█▃▁▃ | Return on Assets (%) | 1.63% | 1.68% | 1.70% | 1.67% | 1.96% | 1.54% | 1.39% | 1.59% |
| ▅▂▃▃▁█▅▃ | Efficiency Ratio (%) | 48.8% | 45.5% | 46.4% | 46.8% | 43.2% | 54.2% | 48.7% | 46.3% |
| ██▄▅▅▇▁▁ | Cost of Funds (%) | 1.31% | 1.30% | 1.11% | 1.17% | 1.17% | 1.23% | 0.96% | 0.96% |
| ▁▁▁██▃▆▅ | NPA / Assets (%) | 0.15% | 0.04% | 0.08% | 1.03% | 1.06% | 0.39% | 0.72% | 0.66% |
| ▁▁▁██▃▆▅ | Net Charge-Off Ratio (%) | 0.29% | 0.07% | 0.18% | 1.96% | 1.87% | 0.69% | 1.42% | 1.23% |
| ▁▁▄▆▅▆▆█ | Tang. Book Value ($M) | $35 | $35 | $36 | $38 | $37 | $37 | $37 | $38 |
| ▃▂▁▄█▇▄▇ | Gross Loans ($M) | $99 | $96 | $92 | $101 | $112 | $108 | $101 | $109 |
| ▁▄█▆▂▄█▆ | Total Deposits ($M) | $136 | $142 | $149 | $146 | $139 | $142 | $151 | $146 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 33% |
| C&I / Commercial | 18% |
| Agricultural | 45% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 4% |