Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.50% | +0.18 | 1.32% |
| Return on Equity (%) | ▼ | 13.35% | -0.25 | 13.60% |
| Net Interest Margin (%) | ▲ | 3.52% | +0.18 | 3.33% |
| Efficiency Ratio (%) | ▲ | 58.82% | -1.73 | 60.55% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.06 | $0 |
| Cost of Funds (%) | ▲ | 1.16% | -0.15 | 1.31% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $104 | +3.71 | $101 |
| Gross Loans ($M) | ▲ | $47 | +0.60 | $47 |
| Loan Growth YoY (%) | ▼ | 51.06% | -0.77 | 51.82% |
| Total Deposits ($M) | ▲ | $92 | +2.51 | $89 |
| Shareholders Equity ($M) | ▲ | $12 | +1.20 | $11 |
| Tang. Book Value ($M) | ▲ | $12 | +1.20 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +1.54 | $13 |
| Loan / Deposit Ratio (%) | ▼ | 51.06% | -0.77 | 51.82% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.77% | +0.06 | 1.71% |
| Allowance / Loans (%) | — | 0.97% | -0.00% | 0.97% |
| Net Charge-Off Ratio (%) | ▼ | 3.82% | +0.12 | 3.69% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▆▅▆▇█ | Net Interest Margin (%) | 3.00% | 3.09% | 3.22% | 3.33% | 3.29% | 3.35% | 3.43% | 3.52% |
| ▁▁▂▄▂▄▅█ | Return on Assets (%) | 1.15% | 1.18% | 1.21% | 1.32% | 1.23% | 1.30% | 1.34% | 1.50% |
| ██▇▃▆▅▆▁ | Efficiency Ratio (%) | 63.6% | 63.2% | 62.8% | 60.6% | 62.1% | 61.2% | 62.0% | 58.8% |
| █▅▄▄▂▃▁▁ | Cost of Funds (%) | 1.53% | 1.37% | 1.32% | 1.31% | 1.22% | 1.25% | 1.15% | 1.16% |
| ▁▄▅▇███▇ | NPA / Assets (%) | 0.79% | 1.31% | 1.43% | 1.71% | 1.85% | 1.93% | 1.96% | 1.77% |
| ▁▄▅▆███▇ | Net Charge-Off Ratio (%) | 1.77% | 3.01% | 3.25% | 3.69% | 4.09% | 4.34% | 4.40% | 3.82% |
| ▅▁▄▅████ | Tang. Book Value ($M) | $11 | $9 | $10 | $11 | $12 | $12 | $12 | $12 |
| ▁█▃▆▆▇▅█ | Gross Loans ($M) | $46 | $47 | $46 | $47 | $47 | $47 | $47 | $47 |
| ▂█▅▁▂▄▅▃ | Total Deposits ($M) | $91 | $99 | $94 | $89 | $91 | $93 | $94 | $92 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 65% |
| C&I / Commercial | 10% |
| Agricultural | 12% |
| Consumer | 12% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 82% |
| Brokered / Other | 2% |