Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.63% | +0.32 | 2.32% |
| Return on Equity (%) | ▼ | 24.70% | -0.22 | 24.92% |
| Net Interest Margin (%) | ▲ | 4.81% | +0.15 | 4.67% |
| Efficiency Ratio (%) | ▲ | 44.60% | -4.53 | 49.12% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.32 | $1 |
| Cost of Funds (%) | ▼ | 1.44% | +0.03 | 1.41% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $196 | +11.53 | $184 |
| Gross Loans ($M) | ▲ | $134 | +8.54 | $125 |
| Loan Growth YoY (%) | ▲ | 76.20% | +1.15 | 75.05% |
| Total Deposits ($M) | ▲ | $173 | +8.21 | $164 |
| Shareholders Equity ($M) | ▲ | $22 | +3.77 | $18 |
| Tang. Book Value ($M) | ▲ | $22 | +3.77 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +3.51 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 76.20% | +1.15 | 75.05% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.40% | +0.23 | 0.17% |
| Allowance / Loans (%) | — | 1.46% | 0.21% | 1.25% |
| Net Charge-Off Ratio (%) | ▼ | 0.52% | +0.28 | 0.25% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -21.42 | 21.42% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▇▆▇▃█ | Net Interest Margin (%) | 4.22% | 4.27% | 4.58% | 4.67% | 4.66% | 4.69% | 4.43% | 4.81% |
| ▁▁▂▅▂▂▅█ | Return on Assets (%) | 1.91% | 1.97% | 2.03% | 2.32% | 2.08% | 2.07% | 2.30% | 2.63% |
| ███▄▅▄▅▁ | Efficiency Ratio (%) | 54.1% | 53.1% | 53.7% | 49.1% | 49.9% | 49.3% | 49.5% | 44.6% |
| █▇▁▁▅▄▁▄ | Cost of Funds (%) | 1.50% | 1.48% | 1.40% | 1.41% | 1.46% | 1.45% | 1.41% | 1.44% |
| ▁▂▁▁███▂ | NPA / Assets (%) | 0.06% | 0.44% | 0.19% | 0.17% | 1.81% | 1.87% | 2.01% | 0.40% |
| ▁▂▁▁███▂ | Net Charge-Off Ratio (%) | 0.09% | 0.65% | 0.28% | 0.25% | 2.67% | 2.72% | 2.85% | 0.52% |
| ▃▁▂▃▅▆▆█ | Tang. Book Value ($M) | $17 | $16 | $17 | $18 | $20 | $20 | $20 | $22 |
| ▁▂▃▅▅▇▇█ | Gross Loans ($M) | $116 | $120 | $121 | $125 | $127 | $130 | $131 | $134 |
| ▁▂▃▅▅▆█▇ | Total Deposits ($M) | $153 | $156 | $161 | $164 | $167 | $168 | $176 | $173 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 62% |
| C&I / Commercial | 12% |
| Agricultural | 19% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 5% |