Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.47% | -0.18 | 1.65% |
| Return on Equity (%) | ▼ | 12.70% | -2.05 | 14.75% |
| Net Interest Margin (%) | ▼ | 3.17% | -0.05 | 3.23% |
| Efficiency Ratio (%) | ▼ | 52.91% | +3.23 | 49.68% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.22 | $1 |
| Cost of Funds (%) | ▲ | 2.12% | -0.12 | 2.24% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $213 | +14.99 | $198 |
| Gross Loans ($M) | ▼ | $153 | -7.91 | $161 |
| Loan Growth YoY (%) | ▼ | 80.43% | -10.46 | 90.89% |
| Total Deposits ($M) | ▲ | $187 | +13.16 | $174 |
| Shareholders Equity ($M) | ▲ | $25 | +1.93 | $23 |
| Tang. Book Value ($M) | ▲ | $24 | +1.93 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +2.54 | $23 |
| Loan / Deposit Ratio (%) | ▼ | 80.43% | -10.46 | 90.89% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.66% | +1.49 | 0.17% |
| Allowance / Loans (%) | — | 1.58% | -0.09% | 1.67% |
| Net Charge-Off Ratio (%) | ▼ | 1.84% | +1.63 | 0.21% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▇██▇▆ | Net Interest Margin (%) | 2.88% | 2.91% | 3.00% | 3.23% | 3.31% | 3.34% | 3.25% | 3.17% |
| ▁▁▂▆██▇▃ | Return on Assets (%) | 1.37% | 1.38% | 1.42% | 1.65% | 1.75% | 1.75% | 1.66% | 1.47% |
| ▇▇█▃▁▁▃▇ | Efficiency Ratio (%) | 52.4% | 52.4% | 53.6% | 49.7% | 48.2% | 48.5% | 50.2% | 52.9% |
| ██▅▆▄▃▁▄ | Cost of Funds (%) | 2.42% | 2.40% | 2.18% | 2.24% | 2.16% | 2.12% | 1.94% | 2.12% |
| ▃▂▂▁▁▂▇█ | NPA / Assets (%) | 0.59% | 0.52% | 0.48% | 0.17% | 0.18% | 0.52% | 1.35% | 1.66% |
| ▃▃▃▁▁▁▆█ | Net Charge-Off Ratio (%) | 0.72% | 0.63% | 0.63% | 0.21% | 0.22% | 0.20% | 1.37% | 1.84% |
| ▁▁▂▄▅▇██ | Tang. Book Value ($M) | $21 | $21 | $21 | $22 | $23 | $23 | $23 | $24 |
| ▅▅▃▅▆█▅▁ | Gross Loans ($M) | $160 | $161 | $157 | $161 | $162 | $166 | $160 | $153 |
| ▁▁▃▂▂▄█▇ | Total Deposits ($M) | $170 | $170 | $177 | $174 | $176 | $179 | $192 | $187 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 10% |
| Agricultural | 13% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 9% |