Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.93% | +0.47 | 0.47% |
| Return on Equity (%) | ▲ | 13.68% | +6.31 | 7.37% |
| Net Interest Margin (%) | ▲ | 3.46% | +0.30 | 3.16% |
| Efficiency Ratio (%) | ▲ | 65.59% | -16.91 | 82.50% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.56 | $0 |
| Cost of Funds (%) | ▼ | 1.77% | +0.06 | 1.70% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $235 | +33.66 | $202 |
| Gross Loans ($M) | ▲ | $89 | +4.43 | $85 |
| Loan Growth YoY (%) | ▼ | 40.92% | -3.86 | 44.78% |
| Total Deposits ($M) | ▲ | $216 | +29.98 | $186 |
| Shareholders Equity ($M) | ▲ | $16 | +3.32 | $13 |
| Tang. Book Value ($M) | ▲ | $16 | +3.32 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +3.53 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 40.92% | -3.86 | 44.78% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -2.04 | 2.04% |
| Allowance / Loans (%) | — | 1.05% | -0.84% | 1.89% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -4.85 | 4.85% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 17.39% | +1.73 | 15.66% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▂▁▂█▆▂█ | Net Interest Margin (%) | 3.32% | 3.19% | 3.10% | 3.16% | 3.51% | 3.40% | 3.15% | 3.46% |
| ▂▁▃▃█▅▆█ | Return on Assets (%) | 0.43% | 0.27% | 0.46% | 0.47% | 1.03% | 0.70% | 0.75% | 0.93% |
| ▆███▅█▃▁ | Efficiency Ratio (%) | 78.0% | 80.8% | 82.3% | 82.5% | 75.0% | 82.6% | 70.1% | 65.6% |
| ▂▄█▃▇▁▃▅ | Cost of Funds (%) | 1.67% | 1.74% | 1.87% | 1.70% | 1.81% | 1.62% | 1.69% | 1.77% |
| ▁███▃▂▂▁ | NPA / Assets (%) | 0.00% | 2.04% | 2.13% | 2.04% | 0.63% | 0.53% | 0.47% | 0.00% |
| ▁███▃▃▂▁ | Net Charge-Off Ratio (%) | 0.00% | 4.86% | 5.14% | 4.85% | 1.54% | 1.40% | 1.24% | 0.00% |
| ▄▁▂▂▇███ | Tang. Book Value ($M) | $14 | $12 | $13 | $13 | $16 | $16 | $16 | $16 |
| ▆▄▁▅▅▇▇█ | Gross Loans ($M) | $86 | $85 | $80 | $85 | $85 | $88 | $87 | $89 |
| ▂▂▁▂▃███ | Total Deposits ($M) | $185 | $187 | $177 | $186 | $190 | $215 | $211 | $216 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 20% |
| Agricultural | 4% |
| Consumer | 1% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 1% |