Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.10% | +0.37 | 0.73% |
| Return on Equity (%) | ▲ | 9.81% | +3.27 | 6.54% |
| Net Interest Margin (%) | ▲ | 4.20% | +0.29 | 3.91% |
| Efficiency Ratio (%) | ▲ | 65.54% | -4.08 | 69.62% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.02 | $0 |
| Cost of Funds (%) | ▼ | 1.96% | +0.03 | 1.93% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $117 | +7.42 | $110 |
| Gross Loans ($M) | ▼ | $81 | -1.88 | $83 |
| Loan Growth YoY (%) | ▼ | 78.80% | -8.09 | 86.88% |
| Total Deposits ($M) | ▲ | $101 | +7.07 | $94 |
| Shareholders Equity ($M) | ▲ | $13 | +0.79 | $12 |
| Tang. Book Value ($M) | ▲ | $13 | +0.79 | $12 |
| Loan / Deposit Ratio (%) | ▼ | 78.80% | -8.09 | 86.88% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 4.56% | +0.05 | 4.51% |
| Allowance / Loans (%) | — | 1.40% | 0.23% | 1.17% |
| Net Charge-Off Ratio (%) | ▼ | 6.39% | +0.56 | 5.83% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 19.22% | +1.76 | 17.46% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▄▃▃▁▃█▇ | Net Interest Margin (%) | 3.89% | 3.93% | 3.90% | 3.91% | 3.65% | 3.82% | 4.34% | 4.20% |
| ▂▂▁▂▁▂█▇ | Return on Assets (%) | 0.71% | 0.68% | 0.58% | 0.73% | 0.59% | 0.66% | 1.22% | 1.10% |
| ▃▅█▅█▇▁▂ | Efficiency Ratio (%) | 66.4% | 69.2% | 73.4% | 69.6% | 72.4% | 71.3% | 63.9% | 65.5% |
| ▅▃▁▄██▂▆ | Cost of Funds (%) | 1.94% | 1.90% | 1.86% | 1.93% | 2.00% | 1.98% | 1.89% | 1.96% |
| ▄▁▂▅█▇▇▅ | NPA / Assets (%) | 4.26% | 3.61% | 3.87% | 4.51% | 5.29% | 4.90% | 4.90% | 4.56% |
| ▃▁▂▅█▇█▆ | Net Charge-Off Ratio (%) | 5.18% | 4.50% | 5.06% | 5.83% | 6.99% | 6.67% | 7.14% | 6.39% |
| ▁▁▃▄▄▆▇█ | Tang. Book Value ($M) | $12 | $12 | $12 | $12 | $13 | $13 | $13 | $13 |
| ██▅▅▅▃▁▂ | Gross Loans ($M) | $85 | $85 | $83 | $83 | $83 | $82 | $80 | $81 |
| ▁▂▄▃▄▆██ | Total Deposits ($M) | $90 | $93 | $96 | $94 | $95 | $98 | $102 | $101 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 12% |
| Agricultural | 6% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 7% |