Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.85% | +0.32 | 1.53% |
| Return on Equity (%) | ▲ | 17.70% | +0.32 | 17.38% |
| Net Interest Margin (%) | ▲ | 4.14% | +0.48 | 3.67% |
| Efficiency Ratio (%) | ▲ | 51.49% | -6.81 | 58.31% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.43 | $2 |
| Cost of Funds (%) | ▲ | 1.39% | -0.25 | 1.64% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $493 | +1.43 | $492 |
| Gross Loans ($M) | ▲ | $284 | +3.87 | $280 |
| Loan Growth YoY (%) | ▲ | 68.51% | +1.17 | 67.34% |
| Total Deposits ($M) | ▼ | $407 | -2.07 | $409 |
| Shareholders Equity ($M) | ▲ | $54 | +8.75 | $45 |
| Tang. Book Value ($M) | ▲ | $50 | +8.74 | $42 |
| TBV excl. AOCI ($M)** | ▲ | $60 | +8.52 | $51 |
| Loan / Deposit Ratio (%) | ▲ | 68.51% | +1.17 | 67.34% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.07% | -0.54 | 0.61% |
| Allowance / Loans (%) | — | 1.90% | 0.16% | 1.74% |
| Net Charge-Off Ratio (%) | ▲ | 0.10% | -0.97 | 1.07% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▅██ | Net Interest Margin (%) | 3.45% | 3.50% | 3.56% | 3.67% | 3.77% | 3.80% | 4.08% | 4.14% |
| ▁▂▁▃▅▅██ | Return on Assets (%) | 1.38% | 1.45% | 1.36% | 1.53% | 1.62% | 1.64% | 1.81% | 1.85% |
| ▇▆█▆▄▃▁▁ | Efficiency Ratio (%) | 60.1% | 58.8% | 62.1% | 58.3% | 56.2% | 55.2% | 51.7% | 51.5% |
| █▇▅▃▄▄▁▁ | Cost of Funds (%) | 2.06% | 1.90% | 1.73% | 1.64% | 1.66% | 1.67% | 1.44% | 1.39% |
| ▁▁▁█▁▁▂▁ | NPA / Assets (%) | 0.09% | 0.10% | 0.12% | 0.61% | 0.13% | 0.11% | 0.16% | 0.07% |
| ▁▁▁█▁▁▂▁ | Net Charge-Off Ratio (%) | 0.16% | 0.17% | 0.21% | 1.07% | 0.21% | 0.17% | 0.26% | 0.10% |
| ▁▁▂▃▅▇██ | Tang. Book Value ($M) | $38 | $37 | $40 | $42 | $45 | $48 | $49 | $50 |
| ▁▂▁▃▆█▅▄ | Gross Loans ($M) | $263 | $272 | $268 | $280 | $299 | $313 | $293 | $284 |
| ▆▅▁▁▆█▇▁ | Total Deposits ($M) | $425 | $423 | $410 | $409 | $427 | $436 | $431 | $407 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 43% |
| C&I / Commercial | 16% |
| Agricultural | 35% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 9% |