Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.01% | +2.23 | -1.21% |
| Return on Equity (%) | ▲ | 6.86% | +14.51 | -7.65% |
| Net Interest Margin (%) | ▲ | 4.80% | +3.24 | 1.56% |
| Efficiency Ratio (%) | ▼ | 62.62% | +0.56 | 62.06% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.53 | $-0 |
| Cost of Funds (%) | ▼ | 2.21% | +3.10 | -0.89% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $151 | +25.05 | $126 |
| Gross Loans ($M) | ▲ | $123 | +22.00 | $101 |
| Loan Growth YoY (%) | ▼ | 95.99% | -2.76 | 98.75% |
| Total Deposits ($M) | ▲ | $127 | +25.61 | $101 |
| Shareholders Equity ($M) | ▲ | $21 | +1.36 | $20 |
| Tang. Book Value ($M) | ▲ | $19 | +1.89 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 95.99% | -2.76 | 98.75% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.18% | +0.04 | 0.14% |
| Allowance / Loans (%) | — | 1.16% | -0.04% | 1.20% |
| Net Charge-Off Ratio (%) | ▼ | 0.22% | +0.05 | 0.17% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▆▆▁▃▅██ | Net Interest Margin (%) | 3.90% | 3.92% | 3.85% | 1.56% | 2.66% | 3.25% | 4.79% | 4.80% |
| ▅▆▇▁▃▄██ | Return on Assets (%) | 0.16% | 0.22% | 0.67% | -1.21% | -0.45% | -0.16% | 1.00% | 1.01% |
| ██▄▁▁▁▁▁ | Efficiency Ratio (%) | 91.2% | 87.5% | 74.9% | 62.1% | 61.0% | 63.0% | 62.5% | 62.6% |
| ███▁███▇ | Cost of Funds (%) | 2.68% | 2.64% | 2.62% | -0.89% | 2.39% | 2.37% | 2.27% | 2.21% |
| ▁▆▆▆▅██▇ | NPA / Assets (%) | 0.00% | 0.14% | 0.14% | 0.14% | 0.11% | 0.22% | 0.19% | 0.18% |
| ▁▆▆▆▅██▇ | Net Charge-Off Ratio (%) | 0.00% | 0.18% | 0.17% | 0.17% | 0.13% | 0.26% | 0.23% | 0.22% |
| ▅▆▇▁▃▄▆█ | Tang. Book Value ($M) | $19 | $19 | $19 | $17 | $18 | $18 | $19 | $19 |
| ▁▂▃▂▄▆▆█ | Gross Loans ($M) | $95 | $100 | $102 | $101 | $107 | $113 | $116 | $123 |
| ▁▂▃▂▄▅▆█ | Total Deposits ($M) | $93 | $100 | $103 | $101 | $107 | $112 | $116 | $127 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 9% |
| Agricultural | 3% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 13% |