Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.05% | +0.02 | 1.04% |
| Return on Equity (%) | ▼ | 8.65% | -0.38 | 9.03% |
| Net Interest Margin (%) | ▲ | 5.60% | +0.11 | 5.49% |
| Efficiency Ratio (%) | ▲ | 65.00% | -2.75 | 67.76% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.20 | $1 |
| Cost of Funds (%) | ▲ | 1.84% | -0.27 | 2.11% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $156 | +11.90 | $144 |
| Gross Loans ($M) | ▲ | $129 | +13.92 | $115 |
| Loan Growth YoY (%) | ▲ | 93.23% | +3.22 | 90.01% |
| Total Deposits ($M) | ▲ | $136 | +10.12 | $126 |
| Shareholders Equity ($M) | ▲ | $19 | +1.99 | $17 |
| Tang. Book Value ($M) | ▲ | $19 | +2.01 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 93.23% | +3.22 | 90.01% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.02% | -0.20 | 1.21% |
| Allowance / Loans (%) | — | 1.71% | 0.18% | 1.53% |
| Net Charge-Off Ratio (%) | ▲ | 1.23% | -0.21 | 1.44% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -16.75 | 16.75% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▆▅▆█▅▇ | Net Interest Margin (%) | 5.03% | 5.04% | 5.53% | 5.49% | 5.53% | 5.77% | 5.42% | 5.60% |
| ▁▁▅▂▃█▁▂ | Return on Assets (%) | 0.88% | 0.90% | 1.31% | 1.04% | 1.10% | 1.61% | 0.92% | 1.05% |
| ██▅▅▄▁▅▄ | Efficiency Ratio (%) | 76.0% | 75.8% | 67.8% | 67.8% | 66.7% | 58.4% | 67.8% | 65.0% |
| ██▅▄▄▄▃▁ | Cost of Funds (%) | 2.48% | 2.44% | 2.24% | 2.11% | 2.11% | 2.12% | 2.08% | 1.84% |
| ▁▁▂█▆█▇▇ | NPA / Assets (%) | 0.27% | 0.27% | 0.47% | 1.21% | 0.94% | 1.13% | 1.00% | 1.02% |
| ▁▁▃█▆█▇▇ | Net Charge-Off Ratio (%) | 0.18% | 0.18% | 0.52% | 1.44% | 1.12% | 1.33% | 1.15% | 1.23% |
| ▁▁▂▃▄▇██ | Tang. Book Value ($M) | $16 | $16 | $16 | $17 | $17 | $18 | $18 | $19 |
| ▁▁▃▄▅▅▆█ | Gross Loans ($M) | $106 | $106 | $113 | $115 | $118 | $120 | $120 | $129 |
| ▄▁▁▁▆▅▃█ | Total Deposits ($M) | $129 | $126 | $125 | $126 | $132 | $131 | $128 | $136 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 63% |
| C&I / Commercial | 14% |
| Agricultural | 11% |
| Consumer | 11% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 13% |