Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.40% | +0.02 | 1.38% |
| Return on Equity (%) | ▼ | 16.20% | -0.74 | 16.94% |
| Net Interest Margin (%) | ▲ | 3.34% | +0.46 | 2.88% |
| Efficiency Ratio (%) | ▲ | 58.80% | -6.63 | 65.44% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.21 | $1 |
| Cost of Funds (%) | ▲ | 1.29% | -0.14 | 1.43% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $208 | +6.08 | $202 |
| Gross Loans ($M) | ▼ | $79 | -1.22 | $81 |
| Loan Growth YoY (%) | ▼ | 41.52% | -1.96 | 43.48% |
| Total Deposits ($M) | ▲ | $188 | +5.05 | $183 |
| Shareholders Equity ($M) | ▲ | $18 | +0.97 | $17 |
| Tang. Book Value ($M) | ▲ | $18 | +0.97 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $23 | +0.75 | $22 |
| Loan / Deposit Ratio (%) | ▼ | 41.52% | -1.96 | 43.48% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.32% | +0.06 | 0.26% |
| Allowance / Loans (%) | — | 1.67% | 0.36% | 1.31% |
| Net Charge-Off Ratio (%) | ▼ | 0.85% | +0.19 | 0.66% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▆▆██ | Net Interest Margin (%) | 2.65% | 2.60% | 2.71% | 2.88% | 3.11% | 3.10% | 3.27% | 3.34% |
| ▁██▆▆▅▅▇ | Return on Assets (%) | 0.80% | 1.52% | 1.60% | 1.38% | 1.32% | 1.22% | 1.30% | 1.40% |
| ▇█▅▄▃▃▂▁ | Efficiency Ratio (%) | 71.6% | 74.3% | 68.0% | 65.4% | 63.4% | 62.9% | 60.8% | 58.8% |
| █▂▅▄▆▁▃▁ | Cost of Funds (%) | 1.68% | 1.35% | 1.51% | 1.43% | 1.53% | 1.24% | 1.39% | 1.29% |
| ▁▇▇▇█▇██ | NPA / Assets (%) | 0.01% | 0.26% | 0.27% | 0.26% | 0.31% | 0.26% | 0.33% | 0.32% |
| ▁▇▇▇▇▇██ | Net Charge-Off Ratio (%) | 0.02% | 0.67% | 0.67% | 0.66% | 0.73% | 0.69% | 0.86% | 0.85% |
| ▁▂▅▆█▇██ | Tang. Book Value ($M) | $14 | $15 | $16 | $17 | $18 | $17 | $18 | $18 |
| ▁▄▆█▆█▆▇ | Gross Loans ($M) | $74 | $77 | $78 | $81 | $79 | $80 | $78 | $79 |
| ▁▇▄▆▂█▆█ | Total Deposits ($M) | $158 | $185 | $174 | $183 | $163 | $192 | $179 | $188 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 11% |
| Agricultural | 4% |
| Consumer | 3% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 6% |