Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.53% | -0.13 | 1.66% |
| Return on Equity (%) | ▼ | 12.78% | -1.15 | 13.93% |
| Net Interest Margin (%) | ▲ | 5.60% | +0.16 | 5.44% |
| Efficiency Ratio (%) | ▲ | 59.54% | -6.15 | 65.69% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.48 | $1 |
| Cost of Funds (%) | ▲ | 2.02% | -0.07 | 2.09% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $211 | +13.87 | $198 |
| Gross Loans ($M) | ▲ | $170 | +21.19 | $149 |
| Loan Growth YoY (%) | ▲ | 91.35% | +6.70 | 84.64% |
| Total Deposits ($M) | ▲ | $183 | +10.22 | $173 |
| Shareholders Equity ($M) | ▲ | $25 | +1.66 | $24 |
| Tang. Book Value ($M) | ▲ | $25 | +1.66 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +1.67 | $25 |
| Loan / Deposit Ratio (%) | ▲ | 91.35% | +6.70 | 84.64% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.40% | +0.11 | 1.29% |
| Allowance / Loans (%) | — | 1.68% | -0.07% | 1.75% |
| Net Charge-Off Ratio (%) | ▼ | 1.72% | +0.03 | 1.69% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▆▇▇██ | Net Interest Margin (%) | 5.12% | 5.13% | 5.35% | 5.44% | 5.50% | 5.54% | 5.56% | 5.60% |
| ▃▁█▆▄▄▃▄ | Return on Assets (%) | 1.36% | 1.14% | 1.95% | 1.66% | 1.51% | 1.50% | 1.35% | 1.53% |
| ▆█▂▄▃▄▂▁ | Efficiency Ratio (%) | 70.2% | 74.3% | 62.3% | 65.7% | 65.0% | 66.4% | 62.9% | 59.5% |
| ▅█▂▁▂▁▁▁ | Cost of Funds (%) | 2.33% | 2.57% | 2.14% | 2.09% | 2.13% | 2.08% | 2.03% | 2.02% |
| ▂▁▂▂▁▁█▃ | NPA / Assets (%) | 1.20% | 1.20% | 1.28% | 1.29% | 1.14% | 1.06% | 2.21% | 1.40% |
| ▁▂▃▃▂▁█▃ | Net Charge-Off Ratio (%) | 1.27% | 1.48% | 1.68% | 1.69% | 1.45% | 1.31% | 2.63% | 1.72% |
| ▂▁▃▄▆▆▇█ | Tang. Book Value ($M) | $23 | $22 | $23 | $24 | $24 | $24 | $25 | $25 |
| ▁▁▁▂▄▆▇█ | Gross Loans ($M) | $143 | $144 | $145 | $149 | $155 | $162 | $166 | $170 |
| ▁▁▃▄▅▆██ | Total Deposits ($M) | $164 | $166 | $169 | $173 | $174 | $176 | $181 | $183 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 12% |
| Agricultural | 3% |
| Consumer | 11% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 12% |