Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.66% | -0.10 | 0.76% |
| Return on Equity (%) | ▼ | 8.04% | -2.66 | 10.70% |
| Net Interest Margin (%) | ▲ | 4.01% | +0.17 | 3.83% |
| Efficiency Ratio (%) | ▼ | 77.98% | +7.18 | 70.81% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.01 | $0 |
| Cost of Funds (%) | ▲ | 1.58% | -0.24 | 1.81% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $139 | -5.06 | $144 |
| Gross Loans ($M) | ▲ | $90 | +4.90 | $85 |
| Loan Growth YoY (%) | ▲ | 75.34% | +7.81 | 67.52% |
| Total Deposits ($M) | ▼ | $117 | -6.37 | $124 |
| Shareholders Equity ($M) | ▲ | $12 | +1.48 | $10 |
| Tang. Book Value ($M) | ▲ | $12 | +1.48 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +1.31 | $12 |
| Loan / Deposit Ratio (%) | ▲ | 75.34% | +7.81 | 67.52% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.04% | -0.36 | 0.39% |
| Allowance / Loans (%) | — | 1.41% | -0.04% | 1.45% |
| Net Charge-Off Ratio (%) | ▲ | 0.06% | -0.61 | 0.67% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▆▁▄▂▁▇█ | Net Interest Margin (%) | 3.91% | 3.92% | 3.73% | 3.83% | 3.76% | 3.72% | 3.96% | 4.01% |
| ▇███▇▇▁▇ | Return on Assets (%) | 0.69% | 0.74% | 0.73% | 0.76% | 0.69% | 0.67% | 0.36% | 0.66% |
| ▂▁▂▁▂▃█▄ | Efficiency Ratio (%) | 74.0% | 72.8% | 74.5% | 70.8% | 73.9% | 75.9% | 88.6% | 78.0% |
| ▁▁▃▇█▇▂▃ | Cost of Funds (%) | 1.48% | 1.45% | 1.56% | 1.81% | 1.87% | 1.78% | 1.51% | 1.58% |
| █▇▄▄▃▂▁▁ | NPA / Assets (%) | 0.95% | 0.79% | 0.40% | 0.39% | 0.37% | 0.16% | 0.05% | 0.04% |
| █▇▄▄▄▂▁▁ | Net Charge-Off Ratio (%) | 1.68% | 1.35% | 0.69% | 0.67% | 0.69% | 0.29% | 0.09% | 0.06% |
| ▃▁▃▃▆█▇█ | Tang. Book Value ($M) | $10 | $10 | $10 | $10 | $11 | $12 | $12 | $12 |
| ▁▄▄▅▂▁▅█ | Gross Loans ($M) | $79 | $83 | $83 | $85 | $81 | $78 | $85 | $90 |
| ▄▃▆▆█▅▆▁ | Total Deposits ($M) | $122 | $121 | $124 | $124 | $127 | $124 | $124 | $117 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 62% |
| C&I / Commercial | 15% |
| Agricultural | 19% |
| Consumer | 3% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 38% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 6% |