Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.48% | +2.15 | 0.33% |
| Return on Equity (%) | ▲ | 23.23% | +19.84 | 3.39% |
| Net Interest Margin (%) | ▲ | 3.55% | +0.40 | 3.16% |
| Efficiency Ratio (%) | ▲ | 50.30% | -28.96 | 79.26% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.67 | $1 |
| Cost of Funds (%) | ▲ | 1.80% | -0.26 | 2.06% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $347 | +14.74 | $332 |
| Gross Loans ($M) | ▼ | $205 | -22.49 | $228 |
| Loan Growth YoY (%) | ▼ | 71.50% | -12.37 | 83.87% |
| Total Deposits ($M) | ▲ | $283 | +14.14 | $269 |
| Shareholders Equity ($M) | ▲ | $38 | +3.96 | $34 |
| Tang. Book Value ($M) | ▲ | $34 | +4.01 | $30 |
| TBV excl. AOCI ($M)** | ▲ | $39 | +5.78 | $33 |
| Loan / Deposit Ratio (%) | ▼ | 71.50% | -12.37 | 83.87% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.38% | -0.42 | 0.80% |
| Allowance / Loans (%) | — | 1.39% | 0.42% | 0.97% |
| Net Charge-Off Ratio (%) | ▼ | 0.65% | +0.28 | 0.36% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▄▄▇█ | Net Interest Margin (%) | 2.72% | 2.71% | 3.14% | 3.16% | 3.10% | 3.12% | 3.38% | 3.55% |
| ▁▁▁▁▁▁█▆ | Return on Assets (%) | 0.45% | 0.53% | 0.14% | 0.33% | 0.34% | 0.40% | 3.52% | 2.48% |
| ██████▁▂ | Efficiency Ratio (%) | 78.5% | 78.0% | 81.0% | 79.3% | 80.3% | 80.2% | 44.4% | 50.3% |
| ██▆▅▄▃▁▂ | Cost of Funds (%) | 2.31% | 2.26% | 2.12% | 2.06% | 1.98% | 1.89% | 1.68% | 1.80% |
| ▃█▆▄▆█▅▁ | NPA / Assets (%) | 0.75% | 1.28% | 1.04% | 0.80% | 1.13% | 1.41% | 0.98% | 0.38% |
| ▄█▃▁▃▆▇▂ | Net Charge-Off Ratio (%) | 1.05% | 1.82% | 0.74% | 0.36% | 0.86% | 1.43% | 1.57% | 0.65% |
| ▁▁▁▃▄▅▇█ | Tang. Book Value ($M) | $28 | $28 | $29 | $30 | $31 | $32 | $33 | $34 |
| ██▇▅▅▅▄▁ | Gross Loans ($M) | $243 | $243 | $234 | $228 | $227 | $228 | $220 | $205 |
| ▃▂▂▁▃▂█▆ | Total Deposits ($M) | $276 | $273 | $271 | $269 | $275 | $273 | $288 | $283 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 5% |
| Agricultural | 12% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 8% |