Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.57% | -0.45 | 2.02% |
| Return on Equity (%) | ▼ | 15.90% | -5.71 | 21.61% |
| Net Interest Margin (%) | ▼ | 4.57% | -0.80 | 5.37% |
| Efficiency Ratio (%) | ▼ | 66.78% | +7.74 | 59.04% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.26 | $1 |
| Cost of Funds (%) | ▼ | 0.43% | +0.25 | 0.18% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $127 | +9.19 | $117 |
| Gross Loans ($M) | ▼ | $41 | -2.91 | $44 |
| Loan Growth YoY (%) | ▼ | 35.00% | -5.40 | 40.41% |
| Total Deposits ($M) | ▲ | $114 | +8.38 | $106 |
| Shareholders Equity ($M) | ▲ | $12 | +0.98 | $11 |
| Tang. Book Value ($M) | ▲ | $12 | +0.98 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +0.88 | $14 |
| Loan / Deposit Ratio (%) | ▼ | 35.00% | -5.40 | 40.41% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 2.46% | -1.81 | 4.27% |
| Allowance / Loans (%) | — | 1.77% | -0.16% | 1.93% |
| Net Charge-Off Ratio (%) | ▲ | 5.44% | -3.71 | 9.15% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 27.86% | +3.57 | 24.28% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ███▇▇▆▂▁ | Net Interest Margin (%) | 5.45% | 5.48% | 5.46% | 5.37% | 5.26% | 5.25% | 4.75% | 4.57% |
| █▅▅██▁▁▁ | Return on Assets (%) | 2.08% | 1.82% | 1.86% | 2.02% | 2.05% | 1.59% | 1.53% | 1.57% |
| ▁▂▄▃▃▄▇█ | Efficiency Ratio (%) | 56.2% | 58.7% | 60.4% | 59.0% | 59.1% | 61.0% | 64.8% | 66.8% |
| ▁▁▁▁▁▁▅█ | Cost of Funds (%) | 0.19% | 0.20% | 0.19% | 0.18% | 0.21% | 0.20% | 0.32% | 0.43% |
| ▁▁▄█▆▅▅▅ | NPA / Assets (%) | 0.95% | 0.56% | 2.12% | 4.27% | 3.18% | 2.73% | 2.73% | 2.46% |
| ▂▁▂█▆▄▅▅ | Net Charge-Off Ratio (%) | 2.47% | 1.40% | 3.25% | 9.15% | 6.81% | 5.18% | 5.59% | 5.44% |
| ▃▁▃▃███▇ | Tang. Book Value ($M) | $11 | $10 | $11 | $11 | $12 | $12 | $12 | $12 |
| ▅▅█▇█▇▆▁ | Gross Loans ($M) | $43 | $43 | $44 | $44 | $44 | $44 | $43 | $41 |
| ▂▁▄▅█▆▆█ | Total Deposits ($M) | $100 | $96 | $105 | $106 | $113 | $108 | $109 | $114 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 65% |
| C&I / Commercial | 17% |
| Agricultural | 8% |
| Consumer | 6% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 48% |
| Interest-Bearing (core) | 51% |