Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.84% | +0.72 | 1.12% |
| Return on Equity (%) | ▲ | 20.77% | +7.85 | 12.92% |
| Net Interest Margin (%) | ▲ | 3.80% | +0.49 | 3.31% |
| Efficiency Ratio (%) | ▲ | 47.45% | -9.26 | 56.71% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.15 | $0 |
| Cost of Funds (%) | ▲ | 2.04% | -0.14 | 2.17% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $106 | +7.52 | $98 |
| Gross Loans ($M) | ▲ | $91 | +7.24 | $84 |
| Loan Growth YoY (%) | ▲ | 99.15% | +2.56 | 96.59% |
| Total Deposits ($M) | ▲ | $91 | +5.04 | $86 |
| Shareholders Equity ($M) | ▲ | $9 | +1.09 | $8 |
| Tang. Book Value ($M) | ▲ | $9 | +1.09 | $8 |
| Loan / Deposit Ratio (%) | ▲ | 99.15% | +2.56 | 96.59% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.53% | +0.16 | 1.37% |
| Allowance / Loans (%) | — | 1.09% | -0.05% | 1.14% |
| Net Charge-Off Ratio (%) | ▼ | 1.78% | +0.17 | 1.61% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▃▄▅██ | Net Interest Margin (%) | 3.11% | 3.12% | 3.30% | 3.31% | 3.40% | 3.49% | 3.81% | 3.80% |
| ▁▁▂▃▃▄██ | Return on Assets (%) | 0.83% | 0.84% | 1.09% | 1.12% | 1.19% | 1.27% | 1.90% | 1.84% |
| ██▆▆▆▆▁▂ | Efficiency Ratio (%) | 62.1% | 62.1% | 57.7% | 56.7% | 55.8% | 55.6% | 44.5% | 47.5% |
| ██▅▄▂▁▁▁ | Cost of Funds (%) | 2.37% | 2.37% | 2.22% | 2.17% | 2.09% | 2.05% | 2.03% | 2.04% |
| ▁▁▅▇▇▄██ | NPA / Assets (%) | 0.79% | 0.75% | 1.18% | 1.37% | 1.38% | 1.11% | 1.57% | 1.53% |
| ▁▁▅▆▇▄██ | Net Charge-Off Ratio (%) | 0.91% | 0.86% | 1.41% | 1.61% | 1.64% | 1.33% | 1.88% | 1.78% |
| ▁▁▂▃▄▅██ | Tang. Book Value ($M) | $8 | $8 | $8 | $8 | $8 | $8 | $9 | $9 |
| ▁▂▁▄▄▆▅█ | Gross Loans ($M) | $79 | $81 | $79 | $84 | $84 | $88 | $86 | $91 |
| ▁▁▂▃▃██▆ | Total Deposits ($M) | $81 | $82 | $84 | $86 | $85 | $94 | $93 | $91 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 10% |
| Agricultural | 10% |
| Consumer | 2% |
| Other | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 15% |