Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.41% | +0.43 | 0.98% |
| Return on Equity (%) | ▲ | 15.47% | +4.12 | 11.35% |
| Net Interest Margin (%) | ▲ | 4.35% | +0.23 | 4.12% |
| Efficiency Ratio (%) | ▲ | 66.18% | -0.03 | 66.21% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.02 | $1 |
| Cost of Funds (%) | ▲ | 1.64% | -0.21 | 1.85% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $312 | +2.48 | $310 |
| Gross Loans ($M) | ▲ | $195 | +5.49 | $190 |
| Loan Growth YoY (%) | ▲ | 72.51% | +4.10 | 68.41% |
| Total Deposits ($M) | ▼ | $266 | -8.16 | $274 |
| Shareholders Equity ($M) | ▲ | $30 | +3.74 | $26 |
| Tang. Book Value ($M) | ▲ | $29 | +4.04 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $34 | +4.00 | $30 |
| Loan / Deposit Ratio (%) | ▲ | 72.51% | +4.10 | 68.41% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.86% | -0.51 | 1.37% |
| Allowance / Loans (%) | — | 1.10% | 0.06% | 1.04% |
| Net Charge-Off Ratio (%) | ▲ | 1.38% | -0.86 | 2.24% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▆▆▆██ | Net Interest Margin (%) | 3.65% | 3.68% | 3.86% | 4.12% | 4.11% | 4.16% | 4.29% | 4.35% |
| ▁▁▁▃▃▃█▆ | Return on Assets (%) | 0.72% | 0.75% | 0.79% | 0.98% | 0.98% | 1.03% | 1.73% | 1.41% |
| ███▂▁▁▄▂ | Efficiency Ratio (%) | 71.0% | 70.8% | 70.5% | 66.2% | 65.9% | 65.1% | 67.4% | 66.2% |
| █▇▇▅█▃▂▁ | Cost of Funds (%) | 2.05% | 1.96% | 1.96% | 1.85% | 2.00% | 1.78% | 1.72% | 1.64% |
| ███▅█▃▁▁ | NPA / Assets (%) | 1.72% | 1.62% | 1.72% | 1.37% | 1.63% | 1.08% | 0.83% | 0.86% |
| ▇▆█▅█▂▁▁ | Net Charge-Off Ratio (%) | 2.59% | 2.44% | 2.83% | 2.24% | 2.67% | 1.74% | 1.38% | 1.38% |
| ▄▁▁▂▄▆▆█ | Tang. Book Value ($M) | $26 | $24 | $24 | $25 | $26 | $28 | $27 | $29 |
| ▃▃▁▂▃█▅▅ | Gross Loans ($M) | $192 | $193 | $186 | $190 | $192 | $204 | $196 | $195 |
| ▁▁▄▃▅▄█▁ | Total Deposits ($M) | $264 | $266 | $277 | $274 | $280 | $277 | $294 | $266 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 61% |
| C&I / Commercial | 4% |
| Agricultural | 21% |
| Consumer | 6% |
| Other | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 9% |