Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.77% | +0.33 | 1.45% |
| Return on Equity (%) | ▲ | 19.38% | +1.39 | 17.99% |
| Net Interest Margin (%) | ▲ | 3.88% | +0.31 | 3.57% |
| Efficiency Ratio (%) | ▲ | 43.18% | -4.90 | 48.09% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.22 | $1 |
| Cost of Funds (%) | ▼ | 1.38% | +0.08 | 1.30% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $166 | +14.73 | $151 |
| Gross Loans ($M) | ▲ | $91 | +13.51 | $78 |
| Loan Growth YoY (%) | ▲ | 62.26% | +4.61 | 57.65% |
| Total Deposits ($M) | ▲ | $143 | +11.76 | $132 |
| Shareholders Equity ($M) | ▲ | $16 | +2.52 | $13 |
| Tang. Book Value ($M) | ▲ | $16 | +2.52 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +2.72 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 62.26% | +4.61 | 57.65% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.01% | +0.04 | 0.98% |
| Allowance / Loans (%) | — | 2.23% | -0.22% | 2.45% |
| Net Charge-Off Ratio (%) | ▲ | 1.69% | -0.10 | 1.79% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▅▇█ | Net Interest Margin (%) | 3.24% | 3.27% | 3.50% | 3.57% | 3.60% | 3.63% | 3.74% | 3.88% |
| ▁▁▃▄▄▄▅█ | Return on Assets (%) | 1.17% | 1.22% | 1.34% | 1.45% | 1.40% | 1.45% | 1.51% | 1.77% |
| █▇▇▆█▆▂▁ | Efficiency Ratio (%) | 50.3% | 48.8% | 48.9% | 48.1% | 49.5% | 48.1% | 44.2% | 43.2% |
| █▅▂▃▂▁▁▅ | Cost of Funds (%) | 1.51% | 1.35% | 1.26% | 1.30% | 1.24% | 1.21% | 1.18% | 1.38% |
| ▇▄▁▁▁▁█▂ | NPA / Assets (%) | 1.43% | 1.19% | 0.96% | 0.98% | 0.90% | 0.96% | 1.57% | 1.01% |
| ▇▆▂▁▁▂█▁ | Net Charge-Off Ratio (%) | 2.79% | 2.56% | 1.86% | 1.79% | 1.66% | 1.84% | 2.95% | 1.69% |
| ▃▁▃▃▃▇▇█ | Tang. Book Value ($M) | $13 | $12 | $13 | $13 | $13 | $15 | $15 | $16 |
| ▃▁▁▂▅▄▅█ | Gross Loans ($M) | $80 | $73 | $75 | $78 | $84 | $80 | $84 | $91 |
| ▁█▂▁▄█▇▆ | Total Deposits ($M) | $134 | $147 | $135 | $132 | $139 | $149 | $146 | $143 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 60% |
| C&I / Commercial | 12% |
| Agricultural | 22% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 7% |