Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.34% | +1.34 | 0.00% |
| Return on Equity (%) | ▲ | 11.80% | +11.80 | 0.00% |
| Net Interest Margin (%) | ▲ | 4.21% | +0.09 | 4.13% |
| Efficiency Ratio (%) | ▲ | 62.86% | -16.66 | 79.52% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.14 | $0 |
| Cost of Funds (%) | ▲ | 1.86% | -0.17 | 2.02% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $138 | -4.54 | $142 |
| Gross Loans ($M) | ▼ | $107 | -0.96 | $108 |
| Loan Growth YoY (%) | ▲ | 89.34% | +1.37 | 87.97% |
| Total Deposits ($M) | ▼ | $118 | -3.07 | $121 |
| Shareholders Equity ($M) | ▲ | $16 | +1.05 | $15 |
| Tang. Book Value ($M) | ▲ | $16 | +1.05 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 89.34% | +1.37 | 87.97% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 2.83% | -2.84 | 5.67% |
| Allowance / Loans (%) | — | 1.30% | 0.13% | 1.17% |
| Net Charge-Off Ratio (%) | ▲ | 3.47% | -3.40 | 6.87% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.77% | +1.43 | 12.34% |
Noninterest income ($0.23M) is materially above the typical range relative to net interest income. This may include one-time items. Efficiency ratio may not reflect recurring earnings power.
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▁▃▄▂▂ | Net Interest Margin (%) | 4.92% | 4.83% | 4.10% | 4.13% | 4.39% | 4.44% | 4.29% | 4.21% |
| ██▁▃▅▆▆▇ | Return on Assets (%) | 1.93% | 1.92% | -0.67% | 0.00% | 0.65% | 0.96% | 1.27% | 1.34% |
| ▁▁█▇▄▃▃▃ | Efficiency Ratio (%) | 51.0% | 52.3% | 87.7% | 79.5% | 69.0% | 63.8% | 61.0% | 62.9% |
| █▆▃▅█▆▃▁ | Cost of Funds (%) | 2.18% | 2.10% | 1.96% | 2.02% | 2.19% | 2.09% | 1.95% | 1.86% |
| ▇▅▇██▃▁▁ | NPA / Assets (%) | 5.16% | 4.31% | 5.15% | 5.67% | 5.69% | 3.76% | 2.94% | 2.83% |
| ▄▄▇██▄▁▁ | Net Charge-Off Ratio (%) | 5.17% | 5.01% | 6.50% | 6.87% | 7.10% | 4.98% | 3.76% | 3.47% |
| ▂▄▁▁▅▇██ | Tang. Book Value ($M) | $15 | $15 | $15 | $15 | $15 | $16 | $16 | $16 |
| ▄▆▅▇█▃▁▆ | Gross Loans ($M) | $105 | $107 | $106 | $108 | $110 | $104 | $101 | $107 |
| ▁▄▇█▇▇▅▆ | Total Deposits ($M) | $109 | $114 | $119 | $121 | $118 | $119 | $116 | $118 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 50% |
| C&I / Commercial | 15% |
| Agricultural | 31% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 24% |