Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.27% | -0.32 | 2.58% |
| Return on Equity (%) | ▼ | 26.21% | -4.59 | 30.80% |
| Net Interest Margin (%) | ▼ | 4.63% | -0.04 | 4.67% |
| Efficiency Ratio (%) | ▼ | 53.19% | +3.45 | 49.75% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.17 | $1 |
| Cost of Funds (%) | ▲ | 1.68% | -0.01 | 1.69% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $231 | +13.38 | $218 |
| Gross Loans ($M) | ▲ | $186 | +8.03 | $178 |
| Loan Growth YoY (%) | ▼ | 87.55% | -0.93 | 88.48% |
| Total Deposits ($M) | ▲ | $209 | +11.14 | $198 |
| Shareholders Equity ($M) | ▲ | $20 | +1.73 | $19 |
| Tang. Book Value ($M) | ▲ | $20 | +1.73 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $22 | +1.75 | $20 |
| Loan / Deposit Ratio (%) | ▼ | 87.55% | -0.93 | 88.48% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.15% | +0.02 | 0.13% |
| Allowance / Loans (%) | — | 1.58% | 0.00% | 1.58% |
| Net Charge-Off Ratio (%) | ▼ | 0.19% | +0.03 | 0.16% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▃▄▇██▄▇ | Net Interest Margin (%) | 4.34% | 4.44% | 4.50% | 4.67% | 4.72% | 4.70% | 4.49% | 4.63% |
| ▁▁▆█▆▅▃▃ | Return on Assets (%) | 2.15% | 2.16% | 2.42% | 2.58% | 2.47% | 2.42% | 2.29% | 2.27% |
| ▅▆▁▁▂▃▆█ | Efficiency Ratio (%) | 51.6% | 51.9% | 49.7% | 49.7% | 50.4% | 50.8% | 51.9% | 53.2% |
| █▆▁▁▂▃▂▁ | Cost of Funds (%) | 1.89% | 1.83% | 1.68% | 1.69% | 1.71% | 1.75% | 1.71% | 1.68% |
| ▁▁▁▁▇█▇▁ | NPA / Assets (%) | 0.15% | 0.11% | 0.06% | 0.13% | 0.75% | 0.94% | 0.73% | 0.15% |
| ▁▁▁▁▇█▇▁ | Net Charge-Off Ratio (%) | 0.18% | 0.14% | 0.08% | 0.16% | 0.91% | 1.15% | 0.90% | 0.19% |
| ▂▁▃▄▆▆▇█ | Tang. Book Value ($M) | $18 | $17 | $18 | $19 | $19 | $20 | $20 | $20 |
| ▁▁▁▃▇█▇▇ | Gross Loans ($M) | $173 | $173 | $172 | $178 | $186 | $188 | $186 | $186 |
| ▁▃▃▄▄▆██ | Total Deposits ($M) | $187 | $193 | $194 | $198 | $198 | $203 | $209 | $209 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 75% |
| C&I / Commercial | 10% |
| Agricultural | 11% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 59% |
| Brokered / Other | 15% |