Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.97% | +0.42 | 1.55% |
| Return on Equity (%) | ▲ | 20.87% | +3.51 | 17.36% |
| Net Interest Margin (%) | ▲ | 3.55% | +0.27 | 3.28% |
| Efficiency Ratio (%) | ▲ | 40.28% | -10.25 | 50.53% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $1 |
| Cost of Funds (%) | ▲ | 2.49% | -0.32 | 2.81% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $124 | +0.24 | $124 |
| Gross Loans ($M) | ▼ | $110 | -1.26 | $111 |
| Loan Growth YoY (%) | ▼ | 134.85% | -11.11 | 145.96% |
| Total Deposits ($M) | ▲ | $81 | +5.30 | $76 |
| Shareholders Equity ($M) | ▲ | $12 | +0.79 | $11 |
| Tang. Book Value ($M) | ▲ | $12 | +0.79 | $11 |
| Loan / Deposit Ratio (%) | ▼ | 134.85% | -11.11 | 145.96% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.26% | -0.17 | 0.43% |
| Allowance / Loans (%) | — | 0.89% | 0.02% | 0.87% |
| Net Charge-Off Ratio (%) | ▲ | 0.29% | -0.18 | 0.48% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 11.97% | +0.71 | 11.27% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▄▅██ | Net Interest Margin (%) | 3.11% | 3.09% | 3.16% | 3.28% | 3.31% | 3.34% | 3.56% | 3.55% |
| ▂▁▄▃▃▃█▇ | Return on Assets (%) | 1.41% | 1.28% | 1.65% | 1.55% | 1.60% | 1.55% | 2.12% | 1.97% |
| ▇█▆▆▆▆▁▁ | Efficiency Ratio (%) | 51.9% | 54.4% | 48.7% | 50.5% | 49.2% | 50.1% | 39.0% | 40.3% |
| █▆▅▅▃▁▁▁ | Cost of Funds (%) | 3.06% | 2.86% | 2.83% | 2.81% | 2.68% | 2.53% | 2.48% | 2.49% |
| █▄▁▅▁▁▁▂ | NPA / Assets (%) | 0.66% | 0.39% | 0.18% | 0.43% | 0.15% | 0.16% | 0.15% | 0.26% |
| █▄▁▅▁▁▁▂ | Net Charge-Off Ratio (%) | 0.74% | 0.45% | 0.20% | 0.48% | 0.17% | 0.18% | 0.16% | 0.29% |
| ▅▁▃▄█▃▇█ | Tang. Book Value ($M) | $12 | $11 | $11 | $11 | $12 | $11 | $12 | $12 |
| ▁█▄▅▃▇█▃ | Gross Loans ($M) | $109 | $113 | $111 | $111 | $110 | $112 | $113 | $110 |
| ▁▂█▁▇█▃▅ | Total Deposits ($M) | $76 | $77 | $84 | $76 | $83 | $85 | $78 | $81 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 3% |
| Agricultural | 21% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 23% |