Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.78% | +0.34 | 0.43% |
| Return on Equity (%) | ▲ | 3.98% | +1.63 | 2.35% |
| Net Interest Margin (%) | ▲ | 3.85% | +0.68 | 3.16% |
| Efficiency Ratio (%) | ▲ | 76.66% | -9.43 | 86.09% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.11 | $0 |
| Cost of Funds (%) | ▲ | 1.18% | -0.27 | 1.45% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $117 | +2.85 | $114 |
| Gross Loans ($M) | ▲ | $71 | +2.94 | $68 |
| Loan Growth YoY (%) | ▼ | 75.04% | -0.31 | 75.35% |
| Total Deposits ($M) | ▲ | $93 | +4.31 | $89 |
| Shareholders Equity ($M) | ▲ | $22 | +0.95 | $21 |
| Tang. Book Value ($M) | ▲ | $22 | +0.95 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +0.78 | $24 |
| Loan / Deposit Ratio (%) | ▼ | 75.04% | -0.31 | 75.35% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.08% | -0.01 | 0.09% |
| Allowance / Loans (%) | — | 1.08% | -0.06% | 1.14% |
| Net Charge-Off Ratio (%) | ▲ | 0.13% | -0.02 | 0.15% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▃▄▇█ | Net Interest Margin (%) | 2.95% | 2.93% | 3.03% | 3.16% | 3.26% | 3.30% | 3.69% | 3.85% |
| ▄▂▁▂▄▅██ | Return on Assets (%) | 0.51% | 0.42% | 0.33% | 0.43% | 0.55% | 0.55% | 0.74% | 0.78% |
| ▄▅█▆▃▃▁▁ | Efficiency Ratio (%) | 82.1% | 85.1% | 90.3% | 86.1% | 81.7% | 81.6% | 77.3% | 76.7% |
| ▇█▅▄▄▅▁▁ | Cost of Funds (%) | 1.67% | 1.78% | 1.54% | 1.45% | 1.45% | 1.50% | 1.25% | 1.18% |
| ▁▂▃▁▂▁█▁ | NPA / Assets (%) | 0.08% | 0.16% | 0.20% | 0.09% | 0.12% | 0.02% | 0.64% | 0.08% |
| ▁▂▃▁▂▁█▁ | Net Charge-Off Ratio (%) | 0.14% | 0.28% | 0.35% | 0.15% | 0.20% | 0.04% | 1.08% | 0.13% |
| ▂▁▂▄▆▇▇█ | Tang. Book Value ($M) | $21 | $21 | $21 | $21 | $22 | $22 | $22 | $22 |
| ▃▃▂▅▅▁▅█ | Gross Loans ($M) | $66 | $65 | $65 | $68 | $67 | $63 | $67 | $71 |
| ▆▇▇▃▁▅▁█ | Total Deposits ($M) | $91 | $92 | $92 | $89 | $87 | $90 | $87 | $93 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 12% |
| Agricultural | 19% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 20% |