Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.16% | +0.11 | 1.05% |
| Return on Equity (%) | ▲ | 13.27% | +0.68 | 12.59% |
| Net Interest Margin (%) | ▲ | 4.07% | +0.05 | 4.02% |
| Efficiency Ratio (%) | ▲ | 59.22% | -4.58 | 63.80% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.16 | $1 |
| Cost of Funds (%) | ▲ | 1.86% | -0.21 | 2.08% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $333 | +23.64 | $309 |
| Gross Loans ($M) | ▲ | $248 | +28.66 | $219 |
| Loan Growth YoY (%) | ▲ | 82.55% | +4.29 | 78.25% |
| Total Deposits ($M) | ▲ | $297 | +19.64 | $277 |
| Shareholders Equity ($M) | ▲ | $30 | +3.27 | $26 |
| Tang. Book Value ($M) | ▲ | $30 | +3.27 | $26 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +3.48 | $28 |
| Loan / Deposit Ratio (%) | ▲ | 82.55% | +4.29 | 78.25% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.09% | +0.24 | 0.85% |
| Allowance / Loans (%) | — | 1.17% | 0.10% | 1.07% |
| Net Charge-Off Ratio (%) | ▼ | 1.46% | +0.27 | 1.19% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▄▁▅▇██▇ | Net Interest Margin (%) | 3.96% | 3.99% | 3.89% | 4.02% | 4.08% | 4.11% | 4.09% | 4.07% |
| ▃▅▁▄▆▇▃█ | Return on Assets (%) | 1.02% | 1.07% | 0.95% | 1.05% | 1.09% | 1.13% | 1.02% | 1.16% |
| ▅▄█▆▄▃▁▁ | Efficiency Ratio (%) | 63.0% | 62.7% | 66.4% | 63.8% | 62.4% | 61.3% | 59.7% | 59.2% |
| ██▅▅▄▃▁▁ | Cost of Funds (%) | 2.22% | 2.19% | 2.09% | 2.08% | 2.03% | 1.96% | 1.88% | 1.86% |
| ▁▁▇▆▆▇██ | NPA / Assets (%) | 0.19% | 0.15% | 0.91% | 0.85% | 0.85% | 0.91% | 1.10% | 1.09% |
| ▁▁▇▇▆▇██ | Net Charge-Off Ratio (%) | 0.26% | 0.20% | 1.31% | 1.19% | 1.16% | 1.18% | 1.50% | 1.46% |
| ▁▁▁▃▅▇▆█ | Tang. Book Value ($M) | $25 | $25 | $25 | $26 | $27 | $28 | $28 | $30 |
| ▁▁▁▂▄███ | Gross Loans ($M) | $216 | $214 | $216 | $219 | $229 | $246 | $245 | $248 |
| ▁▁▄▄▅▆██ | Total Deposits ($M) | $260 | $265 | $280 | $277 | $281 | $287 | $300 | $297 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 9% |
| Agricultural | 5% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 6% |