Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.09% | -0.04 | 1.14% |
| Return on Equity (%) | ▼ | 19.65% | -3.43 | 23.08% |
| Net Interest Margin (%) | ▲ | 3.71% | +0.14 | 3.57% |
| Efficiency Ratio (%) | ▼ | 65.42% | +0.90 | 64.52% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.00 | $1 |
| Cost of Funds (%) | ▲ | 1.94% | -0.12 | 2.06% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $342 | +24.09 | $318 |
| Gross Loans ($M) | ▲ | $205 | +14.58 | $191 |
| Loan Growth YoY (%) | ▲ | 64.85% | +0.85 | 64.00% |
| Total Deposits ($M) | ▲ | $312 | +17.47 | $294 |
| Shareholders Equity ($M) | ▲ | $19 | +3.63 | $16 |
| Tang. Book Value ($M) | ▲ | $19 | +3.63 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +3.25 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 64.85% | +0.85 | 64.00% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.58% | -0.13 | 0.70% |
| Allowance / Loans (%) | — | 1.53% | 0.27% | 1.26% |
| Net Charge-Off Ratio (%) | ▲ | 0.96% | -0.21 | 1.17% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▇▇███ | Net Interest Margin (%) | 3.10% | 3.17% | 3.41% | 3.57% | 3.60% | 3.63% | 3.65% | 3.71% |
| ▂▁▆██▆▇▇ | Return on Assets (%) | 0.90% | 0.82% | 1.06% | 1.14% | 1.13% | 1.04% | 1.07% | 1.09% |
| ▆█▃▁▁▃▂▂ | Efficiency Ratio (%) | 68.8% | 71.2% | 66.3% | 64.5% | 64.7% | 67.0% | 65.4% | 65.4% |
| ██▂▅▆▅▁▂ | Cost of Funds (%) | 2.21% | 2.20% | 1.94% | 2.06% | 2.11% | 2.07% | 1.89% | 1.94% |
| █▅▅▃▂▂▁▁ | NPA / Assets (%) | 0.96% | 0.80% | 0.78% | 0.70% | 0.66% | 0.66% | 0.60% | 0.58% |
| █▅▄▂▂▂▁▁ | Net Charge-Off Ratio (%) | 1.87% | 1.43% | 1.41% | 1.17% | 1.11% | 1.11% | 1.03% | 0.96% |
| ▂▁▂▂▅▇▇█ | Tang. Book Value ($M) | $16 | $15 | $16 | $16 | $18 | $18 | $19 | $19 |
| ▁▂▄▆▇▇██ | Gross Loans ($M) | $159 | $169 | $179 | $191 | $194 | $196 | $200 | $205 |
| ▂▁▅▃▃▄█▇ | Total Deposits ($M) | $292 | $286 | $303 | $294 | $297 | $300 | $315 | $312 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 12% |
| Agricultural | 3% |
| Consumer | 6% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 9% |