Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.86% | +0.76 | 1.10% |
| Return on Equity (%) | ▲ | 17.50% | +6.74 | 10.76% |
| Net Interest Margin (%) | ▲ | 4.69% | +0.39 | 4.30% |
| Efficiency Ratio (%) | ▲ | 56.05% | -5.08 | 61.13% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.12 | $0 |
| Cost of Funds (%) | ▲ | 1.04% | -0.07 | 1.11% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $110 | +0.04 | $110 |
| Gross Loans ($M) | ▲ | $78 | +6.56 | $71 |
| Loan Growth YoY (%) | ▲ | 83.26% | +8.04 | 75.22% |
| Total Deposits ($M) | ▼ | $92 | -0.99 | $93 |
| Shareholders Equity ($M) | ▲ | $12 | +0.92 | $11 |
| Tang. Book Value ($M) | ▲ | $12 | +0.92 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $13 | +0.93 | $12 |
| Loan / Deposit Ratio (%) | ▲ | 83.26% | +8.04 | 75.22% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.57% | +0.52 | 0.06% |
| Allowance / Loans (%) | — | 1.23% | -0.29% | 1.51% |
| Net Charge-Off Ratio (%) | ▼ | 0.81% | +0.73 | 0.09% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.68% | +1.24 | 12.44% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▂▄▅▇█ | Net Interest Margin (%) | 4.17% | 4.17% | 4.24% | 4.30% | 4.41% | 4.44% | 4.59% | 4.69% |
| ▅▃▄▁▃▂██ | Return on Assets (%) | 1.49% | 1.35% | 1.41% | 1.10% | 1.35% | 1.25% | 1.81% | 1.86% |
| ▆██▇▄█▁▁ | Efficiency Ratio (%) | 60.4% | 62.3% | 62.5% | 61.1% | 58.6% | 62.1% | 56.3% | 56.0% |
| ▁▁▂▇█▆▆▃ | Cost of Funds (%) | 1.00% | 1.00% | 1.02% | 1.11% | 1.14% | 1.10% | 1.09% | 1.04% |
| ▁▃▆▁█▇▇▆ | NPA / Assets (%) | 0.04% | 0.32% | 0.57% | 0.06% | 0.78% | 0.60% | 0.61% | 0.57% |
| ▁▄▆▁█▇▆▆ | Net Charge-Off Ratio (%) | 0.06% | 0.49% | 0.90% | 0.09% | 1.18% | 0.90% | 0.89% | 0.81% |
| ▂▂▁▃▆█▅█ | Tang. Book Value ($M) | $11 | $11 | $11 | $11 | $12 | $12 | $12 | $12 |
| ▁▁▂▄▆▇▇█ | Gross Loans ($M) | $67 | $68 | $69 | $71 | $74 | $76 | $76 | $78 |
| ▁▂▅▆▆█▆▅ | Total Deposits ($M) | $87 | $89 | $92 | $93 | $93 | $96 | $93 | $92 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 53% |
| C&I / Commercial | 13% |
| Agricultural | 24% |
| Consumer | 8% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 8% |