Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.00% | -0.25 | 1.25% |
| Return on Equity (%) | ▼ | 11.63% | -3.70 | 15.33% |
| Net Interest Margin (%) | ▲ | 3.77% | +0.29 | 3.48% |
| Efficiency Ratio (%) | ▼ | 71.57% | +8.28 | 63.29% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.19 | $0 |
| Cost of Funds (%) | ▲ | 2.32% | -0.09 | 2.40% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $154 | +7.44 | $147 |
| Gross Loans ($M) | ▲ | $134 | +12.54 | $122 |
| Loan Growth YoY (%) | ▲ | 101.55% | +6.83 | 94.72% |
| Total Deposits ($M) | ▲ | $131 | +4.02 | $127 |
| Shareholders Equity ($M) | ▲ | $13 | +0.28 | $12 |
| Tang. Book Value ($M) | ▲ | $13 | +0.28 | $12 |
| Loan / Deposit Ratio (%) | ▲ | 101.55% | +6.83 | 94.72% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.33% | +0.31 | 1.02% |
| Allowance / Loans (%) | — | 0.59% | -0.25% | 0.84% |
| Net Charge-Off Ratio (%) | ▼ | 0.52% | +0.07 | 0.45% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 10.86% | -0.63 | 11.48% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▁▃▅▆██ | Net Interest Margin (%) | 3.38% | 3.45% | 3.37% | 3.48% | 3.61% | 3.64% | 3.75% | 3.77% |
| ▁▁█▆▆▆█▃ | Return on Assets (%) | 0.76% | 0.82% | 1.43% | 1.25% | 1.28% | 1.20% | 1.46% | 1.00% |
| █▇▁▃▃▄▁█ | Efficiency Ratio (%) | 70.8% | 70.1% | 60.0% | 63.3% | 63.3% | 64.6% | 60.2% | 71.6% |
| █▃▁▅▅▃▂▃ | Cost of Funds (%) | 2.64% | 2.31% | 2.16% | 2.40% | 2.42% | 2.33% | 2.22% | 2.32% |
| █▇▂▂▃▄▁█ | NPA / Assets (%) | 1.39% | 1.33% | 1.01% | 1.02% | 1.09% | 1.15% | 0.94% | 1.33% |
| █▄▃▃▃▃▁▄ | Net Charge-Off Ratio (%) | 1.23% | 0.47% | 0.45% | 0.45% | 0.44% | 0.43% | 0.00% | 0.52% |
| ▁▁▂▆▇▇█▇ | Tang. Book Value ($M) | $11 | $11 | $11 | $12 | $13 | $13 | $13 | $13 |
| ▁▂▃▃▅▅▆█ | Gross Loans ($M) | $114 | $118 | $121 | $122 | $126 | $126 | $128 | $134 |
| ▁▁▅▇▆▇▆█ | Total Deposits ($M) | $114 | $114 | $123 | $127 | $127 | $128 | $125 | $131 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 6% |
| Agricultural | 2% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 81% |
| Brokered / Other | 4% |