Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.18% | +0.08 | 1.09% |
| Return on Equity (%) | ▼ | 15.41% | -4.49 | 19.90% |
| Net Interest Margin (%) | ▲ | 3.97% | +0.16 | 3.81% |
| Efficiency Ratio (%) | ▲ | 70.52% | -0.57 | 71.09% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.02 | $1 |
| Cost of Funds (%) | ▲ | 1.10% | -0.02 | 1.12% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $219 | +9.31 | $210 |
| Gross Loans ($M) | ▲ | $122 | +1.91 | $120 |
| Loan Growth YoY (%) | ▼ | 62.18% | -4.38 | 66.55% |
| Total Deposits ($M) | ▲ | $194 | +15.59 | $179 |
| Shareholders Equity ($M) | ▲ | $17 | +4.70 | $13 |
| Tang. Book Value ($M) | ▲ | $17 | +4.70 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +4.69 | $16 |
| Loan / Deposit Ratio (%) | ▼ | 62.18% | -4.38 | 66.55% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.05% | -0.21 | 0.25% |
| Allowance / Loans (%) | — | 1.14% | 0.01% | 1.13% |
| Net Charge-Off Ratio (%) | ▲ | 0.08% | -0.36 | 0.44% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.89% | +1.16 | 14.72% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▅▇███ | Net Interest Margin (%) | 3.59% | 3.62% | 3.68% | 3.81% | 3.88% | 3.95% | 3.95% | 3.97% |
| ▁▁▁▅▅▇██ | Return on Assets (%) | 1.00% | 1.01% | 1.01% | 1.09% | 1.11% | 1.14% | 1.16% | 1.18% |
| ▇▇█▅▅▃▁▄ | Efficiency Ratio (%) | 71.7% | 71.6% | 72.4% | 71.1% | 71.1% | 70.2% | 69.0% | 70.5% |
| █▇▆▇█▆▁▇ | Cost of Funds (%) | 1.14% | 1.11% | 1.08% | 1.12% | 1.14% | 1.08% | 0.96% | 1.10% |
| ▁██▆▃▁▁▂ | NPA / Assets (%) | 0.00% | 0.34% | 0.32% | 0.25% | 0.10% | 0.00% | 0.01% | 0.05% |
| ▁██▆▃▁▁▂ | Net Charge-Off Ratio (%) | 0.00% | 0.65% | 0.61% | 0.44% | 0.17% | 0.00% | 0.01% | 0.08% |
| ▃▁▁▃▅▇▇█ | Tang. Book Value ($M) | $13 | $11 | $11 | $13 | $15 | $16 | $16 | $17 |
| ▁▁▂▇█▇██ | Gross Loans ($M) | $111 | $112 | $112 | $120 | $121 | $120 | $122 | $122 |
| ▁▂▄▃▃▄█▇ | Total Deposits ($M) | $172 | $176 | $182 | $179 | $181 | $183 | $198 | $194 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 19% |
| Agricultural | 3% |
| Consumer | 4% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 36% |
| Interest-Bearing (core) | 59% |
| Brokered / Other | 5% |