Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.79% | +0.28 | 1.51% |
| Return on Equity (%) | ▲ | 12.54% | +1.77 | 10.77% |
| Net Interest Margin (%) | ▲ | 3.94% | +0.42 | 3.53% |
| Efficiency Ratio (%) | ▲ | 51.51% | -3.84 | 55.35% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.38 | $1 |
| Cost of Funds (%) | ▲ | 2.37% | -0.07 | 2.44% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $241 | +12.09 | $229 |
| Gross Loans ($M) | ▲ | $164 | +22.86 | $141 |
| Loan Growth YoY (%) | ▲ | 79.07% | +7.59 | 71.48% |
| Total Deposits ($M) | ▲ | $205 | +9.91 | $195 |
| Shareholders Equity ($M) | ▲ | $34 | +2.19 | $32 |
| Tang. Book Value ($M) | ▲ | $34 | +2.19 | $32 |
| TBV excl. AOCI ($M)** | ▲ | $37 | +1.43 | $36 |
| Loan / Deposit Ratio (%) | ▲ | 79.07% | +7.59 | 71.48% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.02% | +0.25 | 1.77% |
| Allowance / Loans (%) | — | 0.95% | -0.01% | 0.96% |
| Net Charge-Off Ratio (%) | ▼ | 2.88% | +0.16 | 2.72% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▆▆██ | Net Interest Margin (%) | 2.88% | 2.94% | 3.54% | 3.53% | 3.60% | 3.66% | 3.85% | 3.94% |
| ▁▁▆▆▆▇▇█ | Return on Assets (%) | 0.93% | 1.01% | 1.50% | 1.51% | 1.57% | 1.61% | 1.59% | 1.79% |
| █▇▃▃▂▁▃▁ | Efficiency Ratio (%) | 66.7% | 64.4% | 56.6% | 55.4% | 53.7% | 53.2% | 55.4% | 51.5% |
| █▆▃▂▃▃▂▁ | Cost of Funds (%) | 2.85% | 2.73% | 2.50% | 2.44% | 2.52% | 2.52% | 2.47% | 2.37% |
| ▁▂▆▄▅▇█▆ | NPA / Assets (%) | 1.34% | 1.47% | 1.94% | 1.77% | 1.88% | 2.05% | 2.26% | 2.02% |
| ▁▃▇▅▆██▆ | Net Charge-Off Ratio (%) | 2.12% | 2.45% | 3.06% | 2.72% | 2.88% | 3.13% | 3.26% | 2.88% |
| ▁▁▃▄▅▆▇█ | Tang. Book Value ($M) | $31 | $31 | $32 | $32 | $33 | $33 | $34 | $34 |
| ▁▁▃▄▅▆▇█ | Gross Loans ($M) | $126 | $129 | $136 | $141 | $147 | $150 | $158 | $164 |
| ▁▁▃▄▄▆▅█ | Total Deposits ($M) | $189 | $191 | $193 | $195 | $197 | $200 | $198 | $205 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 63% |
| C&I / Commercial | 19% |
| Agricultural | 6% |
| Consumer | 12% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 17% |