Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.74% | +0.15 | 0.59% |
| Return on Equity (%) | ▲ | 9.72% | +1.38 | 8.34% |
| Net Interest Margin (%) | ▲ | 3.34% | +0.22 | 3.12% |
| Efficiency Ratio (%) | ▲ | 77.73% | -1.66 | 79.39% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.17 | $0 |
| Cost of Funds (%) | ▲ | 1.79% | -0.15 | 1.94% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $291 | +14.98 | $276 |
| Gross Loans ($M) | ▼ | $200 | -1.62 | $202 |
| Loan Growth YoY (%) | ▼ | 75.93% | -4.06 | 79.99% |
| Total Deposits ($M) | ▲ | $261 | +11.38 | $249 |
| Shareholders Equity ($M) | ▲ | $23 | +4.23 | $19 |
| Tang. Book Value ($M) | ▲ | $23 | +4.20 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +4.94 | $21 |
| Loan / Deposit Ratio (%) | ▼ | 75.93% | -4.06 | 79.99% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.76% | +0.35 | 0.41% |
| Allowance / Loans (%) | — | 1.10% | -0.07% | 1.16% |
| Net Charge-Off Ratio (%) | ▼ | 1.10% | +0.54 | 0.56% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▅▆█ | Net Interest Margin (%) | 2.93% | 2.94% | 3.04% | 3.12% | 3.16% | 3.17% | 3.22% | 3.34% |
| ▁▃▅▃▂▃▅█ | Return on Assets (%) | 0.50% | 0.56% | 0.64% | 0.59% | 0.56% | 0.58% | 0.63% | 0.74% |
| ▇▄▁▄▆█▃▁ | Efficiency Ratio (%) | 81.0% | 79.4% | 77.7% | 79.4% | 80.3% | 81.6% | 79.1% | 77.7% |
| ▅▇▃██▇▃▁ | Cost of Funds (%) | 1.88% | 1.92% | 1.84% | 1.94% | 1.94% | 1.91% | 1.83% | 1.79% |
| ▅▄▇▁█▅▆▄ | NPA / Assets (%) | 0.84% | 0.79% | 1.01% | 0.41% | 1.19% | 0.82% | 0.97% | 0.76% |
| ▅▄▇▁█▅▇▄ | Net Charge-Off Ratio (%) | 1.17% | 1.10% | 1.44% | 0.56% | 1.67% | 1.13% | 1.41% | 1.10% |
| ▄▂▁▁▄▆▆█ | Tang. Book Value ($M) | $20 | $19 | $19 | $18 | $20 | $21 | $21 | $23 |
| ▁▂▂▆▅█▇▆ | Gross Loans ($M) | $188 | $192 | $191 | $202 | $199 | $207 | $202 | $200 |
| ▁▂▅▅▆▇█▇ | Total Deposits ($M) | $225 | $234 | $246 | $249 | $252 | $258 | $266 | $261 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 16% |
| Agricultural | 5% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 11% |