Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.26% | +0.22 | 1.03% |
| Return on Equity (%) | ▲ | 5.99% | +1.04 | 4.95% |
| Net Interest Margin (%) | ▲ | 3.58% | +0.16 | 3.42% |
| Efficiency Ratio (%) | ▼ | 60.57% | +2.63 | 57.93% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.02 | $1 |
| Cost of Funds (%) | ▲ | 2.43% | -0.06 | 2.49% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $359 | +27.30 | $332 |
| Gross Loans ($M) | ▲ | $295 | +22.94 | $272 |
| Loan Growth YoY (%) | ▼ | 113.21% | -2.53 | 115.74% |
| Total Deposits ($M) | ▲ | $259 | +25.52 | $234 |
| Shareholders Equity ($M) | ▲ | $74 | +3.54 | $71 |
| Tang. Book Value ($M) | ▲ | $74 | +3.54 | $71 |
| TBV excl. AOCI ($M)** | ▲ | $76 | +3.78 | $72 |
| Loan / Deposit Ratio (%) | ▼ | 113.21% | -2.53 | 115.74% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.51% | -0.02 | 0.53% |
| Allowance / Loans (%) | — | 0.58% | -0.06% | 0.63% |
| Net Charge-Off Ratio (%) | ▲ | 0.62% | -0.02 | 0.64% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▇▇▇██ | Net Interest Margin (%) | 2.94% | 3.00% | 3.33% | 3.42% | 3.42% | 3.44% | 3.52% | 3.58% |
| ▁▃▃▄█▆██ | Return on Assets (%) | 0.83% | 0.97% | 0.95% | 1.03% | 1.21% | 1.14% | 1.25% | 1.26% |
| █▅▆▂▁▁▆▄ | Efficiency Ratio (%) | 68.6% | 63.0% | 63.5% | 57.9% | 54.7% | 56.0% | 65.0% | 60.6% |
| ▇█▁▇█▆▅▄ | Cost of Funds (%) | 2.50% | 2.51% | 2.38% | 2.49% | 2.52% | 2.48% | 2.45% | 2.43% |
| █▆▅▁▁▃▁▁ | NPA / Assets (%) | 1.07% | 0.86% | 0.84% | 0.53% | 0.49% | 0.64% | 0.55% | 0.51% |
| █▆▅▁▁▃▁▁ | Net Charge-Off Ratio (%) | 1.30% | 1.11% | 1.02% | 0.64% | 0.60% | 0.79% | 0.65% | 0.62% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $69 | $69 | $70 | $71 | $72 | $72 | $73 | $74 |
| ▂▁▄▃▃▄▇█ | Gross Loans ($M) | $269 | $263 | $277 | $272 | $275 | $278 | $289 | $295 |
| ▁▃▂▂▄▅▄█ | Total Deposits ($M) | $227 | $236 | $232 | $234 | $240 | $244 | $239 | $259 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 64% |
| C&I / Commercial | 27% |
| Agricultural | 6% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 26% |