Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.20% | +0.08 | 1.12% |
| Return on Equity (%) | ▼ | 10.83% | -0.46 | 11.29% |
| Net Interest Margin (%) | ▲ | 4.34% | +0.28 | 4.06% |
| Efficiency Ratio (%) | ▼ | 70.47% | +0.50 | 69.97% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.03 | $1 |
| Cost of Funds (%) | ▲ | 1.40% | -0.25 | 1.65% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $173 | +1.62 | $172 |
| Gross Loans ($M) | ▼ | $130 | -4.46 | $135 |
| Loan Growth YoY (%) | ▼ | 87.66% | -5.59 | 93.25% |
| Total Deposits ($M) | ▲ | $147 | +4.11 | $143 |
| Shareholders Equity ($M) | ▲ | $20 | +1.54 | $18 |
| Tang. Book Value ($M) | ▲ | $20 | +1.54 | $18 |
| Loan / Deposit Ratio (%) | ▼ | 87.66% | -5.59 | 93.25% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.28% | -1.48 | 2.76% |
| Allowance / Loans (%) | — | 0.96% | -0.02% | 0.98% |
| Net Charge-Off Ratio (%) | ▲ | 1.71% | -1.81 | 3.52% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▁▁▂▃▄▆█ | Net Interest Margin (%) | 4.07% | 4.01% | 3.98% | 4.06% | 4.10% | 4.16% | 4.21% | 4.34% |
| ██▁▅▅▇▃▆ | Return on Assets (%) | 1.39% | 1.38% | 0.85% | 1.12% | 1.18% | 1.31% | 1.00% | 1.20% |
| ▁▁█▄▃▂█▄ | Efficiency Ratio (%) | 65.9% | 64.9% | 76.2% | 70.0% | 68.5% | 66.5% | 76.2% | 70.5% |
| █▇▄▄▃▁▁▁ | Cost of Funds (%) | 1.96% | 1.82% | 1.65% | 1.65% | 1.52% | 1.42% | 1.35% | 1.40% |
| ▁▃▇█▇▆▅▄ | NPA / Assets (%) | 0.27% | 0.99% | 2.41% | 2.76% | 2.35% | 2.00% | 1.67% | 1.28% |
| ▁▃███▇▅▄ | Net Charge-Off Ratio (%) | 0.36% | 1.32% | 3.30% | 3.52% | 3.15% | 2.76% | 2.31% | 1.71% |
| ▁▁▂▄▆███ | Tang. Book Value ($M) | $17 | $17 | $18 | $18 | $19 | $20 | $20 | $20 |
| ▅█▄▇▆▁▁▂ | Gross Loans ($M) | $133 | $136 | $132 | $135 | $134 | $129 | $130 | $130 |
| ▃█▇▁▇▆▇▃ | Total Deposits ($M) | $148 | $156 | $154 | $143 | $154 | $153 | $154 | $147 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 48% |
| C&I / Commercial | 17% |
| Agricultural | 30% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 14% |