Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.55% | +0.18 | 1.36% |
| Return on Equity (%) | ▲ | 12.53% | +1.13 | 11.40% |
| Net Interest Margin (%) | ▲ | 3.86% | +0.11 | 3.75% |
| Efficiency Ratio (%) | ▲ | 59.25% | -0.52 | 59.77% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.13 | $1 |
| Cost of Funds (%) | ▲ | 1.39% | -0.25 | 1.64% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $150 | +13.55 | $137 |
| Gross Loans ($M) | ▲ | $110 | +9.14 | $101 |
| Loan Growth YoY (%) | ▼ | 83.41% | -1.65 | 85.06% |
| Total Deposits ($M) | ▲ | $131 | +13.20 | $117 |
| Shareholders Equity ($M) | ▲ | $19 | +1.47 | $18 |
| Tang. Book Value ($M) | ▲ | $19 | +1.47 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +1.62 | $19 |
| Loan / Deposit Ratio (%) | ▼ | 83.41% | -1.65 | 85.06% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.67% | +0.56 | 0.11% |
| Allowance / Loans (%) | — | 1.34% | -0.05% | 1.39% |
| Net Charge-Off Ratio (%) | ▼ | 0.91% | +0.77 | 0.14% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▇██▆█ | Net Interest Margin (%) | 3.23% | 3.35% | 3.68% | 3.75% | 3.84% | 3.84% | 3.64% | 3.86% |
| ▁▁▃▅▅▅▄█ | Return on Assets (%) | 1.14% | 1.16% | 1.26% | 1.36% | 1.39% | 1.37% | 1.33% | 1.55% |
| ▇█▂▁▁▂▅▁ | Efficiency Ratio (%) | 64.6% | 65.4% | 60.5% | 59.8% | 59.8% | 60.7% | 62.6% | 59.3% |
| █▇▆▇▂▂▁▁ | Cost of Funds (%) | 1.69% | 1.64% | 1.59% | 1.64% | 1.44% | 1.45% | 1.42% | 1.39% |
| ▁▁▂▁▆▆▆█ | NPA / Assets (%) | 0.07% | 0.07% | 0.19% | 0.11% | 0.46% | 0.52% | 0.46% | 0.67% |
| ▁▁▂▁▅▆▆█ | Net Charge-Off Ratio (%) | 0.10% | 0.09% | 0.27% | 0.14% | 0.57% | 0.70% | 0.69% | 0.91% |
| ▁▁▃▄▅▇██ | Tang. Book Value ($M) | $17 | $17 | $17 | $18 | $18 | $19 | $19 | $19 |
| ▂▃▃▁▃█▄▇ | Gross Loans ($M) | $103 | $105 | $104 | $101 | $104 | $112 | $107 | $110 |
| ▁▂▃▁▁▆█▆ | Total Deposits ($M) | $118 | $121 | $125 | $117 | $119 | $131 | $138 | $131 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 62% |
| C&I / Commercial | 15% |
| Agricultural | 20% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 84% |
| Brokered / Other | 6% |