Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.01% | -0.07 | 1.08% |
| Return on Equity (%) | ▼ | 9.94% | -1.03 | 10.97% |
| Net Interest Margin (%) | ▼ | 3.62% | -0.04 | 3.66% |
| Efficiency Ratio (%) | ▼ | 71.52% | +1.38 | 70.14% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.04 | $0 |
| Cost of Funds (%) | ▼ | 1.03% | +0.08 | 0.95% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $157 | +21.51 | $135 |
| Gross Loans ($M) | ▲ | $89 | +2.79 | $86 |
| Loan Growth YoY (%) | ▼ | 67.64% | -9.92 | 77.55% |
| Total Deposits ($M) | ▲ | $130 | +20.18 | $110 |
| Shareholders Equity ($M) | ▲ | $16 | +1.30 | $14 |
| Tang. Book Value ($M) | ▲ | $14 | +1.30 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +1.50 | $15 |
| Loan / Deposit Ratio (%) | ▼ | 67.64% | -9.92 | 77.55% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.05% | -0.05 | 0.10% |
| Allowance / Loans (%) | — | 0.97% | 0.03% | 0.94% |
| Net Charge-Off Ratio (%) | ▲ | 0.02% | -0.12 | 0.15% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▆▆█▆▅ | Net Interest Margin (%) | 3.29% | 3.27% | 3.52% | 3.66% | 3.69% | 3.87% | 3.66% | 3.62% |
| ▁▁▅███▇▇ | Return on Assets (%) | 0.68% | 0.73% | 0.90% | 1.08% | 1.10% | 1.11% | 1.03% | 1.01% |
| █▇▅▃▃▁▄▄ | Efficiency Ratio (%) | 78.9% | 77.3% | 74.1% | 70.1% | 70.0% | 66.2% | 71.3% | 71.5% |
| ██▁▁▁▂▁▃ | Cost of Funds (%) | 1.23% | 1.21% | 0.99% | 0.95% | 0.97% | 1.00% | 0.96% | 1.03% |
| ███▂▂▂▁▁ | NPA / Assets (%) | 0.26% | 0.28% | 0.28% | 0.10% | 0.09% | 0.08% | 0.05% | 0.05% |
| ▇██▃▃▃▁▁ | Net Charge-Off Ratio (%) | 0.39% | 0.45% | 0.45% | 0.15% | 0.14% | 0.14% | 0.03% | 0.02% |
| ▁▁▃▄▆█▇█ | Tang. Book Value ($M) | $12 | $12 | $12 | $13 | $14 | $14 | $14 | $14 |
| ▄▃▁▃▅█▃▆ | Gross Loans ($M) | $87 | $86 | $84 | $86 | $89 | $92 | $86 | $89 |
| ▁▁▃▂▂▆▇█ | Total Deposits ($M) | $107 | $106 | $113 | $110 | $111 | $123 | $126 | $130 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 6% |
| Agricultural | 13% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 6% |