Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.40% | +0.15 | 1.25% |
| Return on Equity (%) | ▲ | 14.50% | +0.29 | 14.21% |
| Net Interest Margin (%) | ▲ | 4.37% | +0.16 | 4.21% |
| Efficiency Ratio (%) | ▼ | 65.60% | +1.52 | 64.08% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.03 | $1 |
| Cost of Funds (%) | ▲ | 2.03% | -0.20 | 2.23% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $150 | +4.07 | $146 |
| Gross Loans ($M) | ▲ | $131 | +2.42 | $128 |
| Loan Growth YoY (%) | ▼ | 109.14% | -0.42 | 109.56% |
| Total Deposits ($M) | ▲ | $119 | +2.63 | $116 |
| Shareholders Equity ($M) | ▲ | $14 | +1.26 | $13 |
| Tang. Book Value ($M) | ▲ | $14 | +1.26 | $13 |
| Loan / Deposit Ratio (%) | ▼ | 109.14% | -0.42 | 109.56% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.69% | +0.38 | 0.31% |
| Allowance / Loans (%) | — | 1.05% | 0.01% | 1.04% |
| Net Charge-Off Ratio (%) | ▼ | 0.79% | +0.45 | 0.35% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▅▁▄▇█▇█ | Net Interest Margin (%) | 4.27% | 4.25% | 4.09% | 4.21% | 4.34% | 4.39% | 4.33% | 4.37% |
| █▁▁▂▆▂▇▇ | Return on Assets (%) | 1.46% | 1.19% | 1.20% | 1.25% | 1.38% | 1.25% | 1.39% | 1.40% |
| ▁█▆▂▁▇▅▅ | Efficiency Ratio (%) | 62.9% | 68.3% | 66.5% | 64.1% | 63.0% | 67.1% | 65.9% | 65.6% |
| ▇██▆▃▃▁▁ | Cost of Funds (%) | 2.24% | 2.31% | 2.28% | 2.23% | 2.11% | 2.08% | 2.00% | 2.03% |
| ▄▄▅▄▃▁▁█ | NPA / Assets (%) | 0.29% | 0.29% | 0.39% | 0.31% | 0.24% | 0.00% | 0.00% | 0.69% |
| ▄▄▅▄▃▁▁█ | Net Charge-Off Ratio (%) | 0.35% | 0.33% | 0.47% | 0.35% | 0.26% | 0.00% | 0.00% | 0.79% |
| ▁▁▂▄▆▇██ | Tang. Book Value ($M) | $12 | $12 | $13 | $13 | $14 | $14 | $14 | $14 |
| ▁▃▄▇█▇▆█ | Gross Loans ($M) | $118 | $122 | $123 | $128 | $131 | $128 | $126 | $131 |
| ▁▄▆▆▃▄██ | Total Deposits ($M) | $109 | $113 | $116 | $116 | $112 | $113 | $118 | $119 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 7% |
| Agricultural | 23% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 8% |