Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.31% | -0.14 | 1.45% |
| Return on Equity (%) | ▼ | 12.13% | -1.28 | 13.41% |
| Net Interest Margin (%) | ▲ | 4.54% | +0.16 | 4.38% |
| Efficiency Ratio (%) | ▼ | 63.72% | +3.58 | 60.14% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.01 | $0 |
| Cost of Funds (%) | ▼ | 0.74% | +0.02 | 0.73% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $107 | +0.41 | $107 |
| Gross Loans ($M) | ▲ | $60 | +6.43 | $53 |
| Loan Growth YoY (%) | ▲ | 62.59% | +6.58 | 56.01% |
| Total Deposits ($M) | ▲ | $95 | +0.28 | $94 |
| Shareholders Equity ($M) | ▼ | $12 | -0.07 | $12 |
| Tang. Book Value ($M) | ▲ | $11 | +0.17 | $11 |
| TBV excl. AOCI ($M)** | ▼ | $13 | -0.15 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 62.59% | +6.58 | 56.01% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.70% | -0.01 | 0.71% |
| Allowance / Loans (%) | — | 1.07% | -0.04% | 1.12% |
| Net Charge-Off Ratio (%) | ▲ | 1.26% | -0.16 | 1.43% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -21.47 | 21.47% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▁▂▄▄▇█ | Net Interest Margin (%) | 4.53% | 4.51% | 4.36% | 4.38% | 4.43% | 4.43% | 4.50% | 4.54% |
| █▇▄▃▁▁▁▁ | Return on Assets (%) | 1.82% | 1.74% | 1.55% | 1.45% | 1.36% | 1.35% | 1.31% | 1.31% |
| ▁▂▆▆▇▇██ | Efficiency Ratio (%) | 50.3% | 53.1% | 58.9% | 60.1% | 61.9% | 61.7% | 63.8% | 63.7% |
| ▃▁▂▇█▅▆█ | Cost of Funds (%) | 0.69% | 0.67% | 0.68% | 0.73% | 0.74% | 0.71% | 0.72% | 0.74% |
| ▁▂▃▅▅▇█▅ | NPA / Assets (%) | 0.55% | 0.60% | 0.64% | 0.71% | 0.71% | 0.79% | 0.85% | 0.70% |
| ▁▂▄▆▆██▃ | Net Charge-Off Ratio (%) | 1.14% | 1.21% | 1.34% | 1.43% | 1.40% | 1.56% | 1.54% | 1.26% |
| ▇▁▂▃▄█▅▇ | Tang. Book Value ($M) | $11 | $11 | $11 | $11 | $11 | $11 | $11 | $11 |
| ▁▃▁▁▂▅█▇ | Gross Loans ($M) | $53 | $56 | $53 | $53 | $55 | $58 | $61 | $60 |
| ▃█▆▁▂█▅▁ | Total Deposits ($M) | $97 | $101 | $99 | $94 | $96 | $101 | $98 | $95 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 13% |
| Agricultural | 13% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 31% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 2% |