Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.07% | +0.09 | 0.98% |
| Return on Equity (%) | ▲ | 11.14% | +0.52 | 10.62% |
| Net Interest Margin (%) | ▲ | 4.39% | +0.40 | 4.00% |
| Efficiency Ratio (%) | ▼ | 68.81% | +2.94 | 65.87% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.37 | $2 |
| Cost of Funds (%) | ▲ | 0.72% | -0.08 | 0.81% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $397 | -21.12 | $418 |
| Gross Loans ($M) | ▲ | $295 | +9.81 | $286 |
| Loan Growth YoY (%) | ▲ | 83.48% | +6.43 | 77.05% |
| Total Deposits ($M) | ▼ | $350 | -16.64 | $367 |
| Shareholders Equity ($M) | ▲ | $39 | +0.66 | $38 |
| Tang. Book Value ($M) | ▲ | $39 | +0.66 | $38 |
| TBV excl. AOCI ($M)** | ▼ | $42 | -0.78 | $43 |
| Loan / Deposit Ratio (%) | ▲ | 83.48% | +6.43 | 77.05% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.11% | +0.11 | 0.00% |
| Allowance / Loans (%) | — | 1.01% | 0.01% | 1.00% |
| Net Charge-Off Ratio (%) | ▼ | 0.15% | +0.15 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -14.18 | 14.18% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▄▅██ | Net Interest Margin (%) | 3.89% | 3.91% | 3.94% | 4.00% | 4.11% | 4.16% | 4.35% | 4.39% |
| ▁▂▁▅▇▇▆█ | Return on Assets (%) | 0.86% | 0.90% | 0.86% | 0.98% | 1.02% | 1.04% | 1.01% | 1.07% |
| █▇█▁▁▁▄▅ | Efficiency Ratio (%) | 70.9% | 69.8% | 70.4% | 65.9% | 65.6% | 65.8% | 67.8% | 68.8% |
| █▄▃▅▆▂▁▁ | Cost of Funds (%) | 0.87% | 0.77% | 0.76% | 0.81% | 0.81% | 0.74% | 0.71% | 0.72% |
| █▂▂▁▁▁▇█ | NPA / Assets (%) | 0.12% | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% | 0.10% | 0.11% |
| █▂▂▁▁▁▆▇ | Net Charge-Off Ratio (%) | 0.18% | 0.03% | 0.02% | 0.00% | 0.00% | 0.00% | 0.13% | 0.15% |
| ▁▁▃▃▆█▂▄ | Tang. Book Value ($M) | $37 | $36 | $38 | $38 | $40 | $42 | $38 | $39 |
| ▁▁▂▆▇▇██ | Gross Loans ($M) | $256 | $256 | $262 | $286 | $289 | $288 | $297 | $295 |
| ▃▄▃▄▅█▂▁ | Total Deposits ($M) | $360 | $366 | $361 | $367 | $369 | $385 | $357 | $350 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 10% |
| Agricultural | 1% |
| Other | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 40% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 5% |