Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.55% | -0.08 | 1.63% |
| Return on Equity (%) | ▼ | 19.36% | -1.84 | 21.20% |
| Net Interest Margin (%) | ▼ | 4.13% | -0.07 | 4.20% |
| Efficiency Ratio (%) | ▼ | 50.20% | +1.24 | 48.96% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.01 | $1 |
| Cost of Funds (%) | ▼ | 1.74% | +0.19 | 1.56% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $221 | +10.75 | $211 |
| Gross Loans ($M) | ▲ | $172 | +10.53 | $162 |
| Loan Growth YoY (%) | ▼ | 87.46% | -0.40 | 87.85% |
| Total Deposits ($M) | ▲ | $194 | +11.87 | $182 |
| Shareholders Equity ($M) | ▲ | $18 | +0.83 | $17 |
| Tang. Book Value ($M) | ▲ | $18 | +0.83 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +0.71 | $20 |
| Loan / Deposit Ratio (%) | ▼ | 87.46% | -0.40 | 87.85% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.82% | +1.65 | 0.17% |
| Allowance / Loans (%) | — | 1.64% | 0.43% | 1.20% |
| Net Charge-Off Ratio (%) | ▼ | 2.34% | +2.30 | 0.03% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▁▅██▂▂ | Net Interest Margin (%) | 4.27% | 4.24% | 4.10% | 4.20% | 4.29% | 4.27% | 4.13% | 4.13% |
| ▄▅▂▆█▁▁▃ | Return on Assets (%) | 1.59% | 1.62% | 1.51% | 1.63% | 1.72% | 1.47% | 1.47% | 1.55% |
| ▁▁▇▃▁▁█▅ | Efficiency Ratio (%) | 47.6% | 47.3% | 51.6% | 49.0% | 47.6% | 47.1% | 52.6% | 50.2% |
| ▁▁▆▁▅██▇ | Cost of Funds (%) | 1.52% | 1.53% | 1.71% | 1.56% | 1.65% | 1.78% | 1.78% | 1.74% |
| ▂▂▁▁▁███ | NPA / Assets (%) | 0.29% | 0.25% | 0.13% | 0.17% | 0.02% | 1.73% | 1.81% | 1.82% |
| ▁▁▁▁▁███ | Net Charge-Off Ratio (%) | 0.08% | 0.03% | 0.04% | 0.03% | 0.02% | 2.36% | 2.41% | 2.34% |
| ▄▁▃▇██▇█ | Tang. Book Value ($M) | $16 | $15 | $16 | $17 | $18 | $18 | $18 | $18 |
| ▁▁▂▆▇█▇█ | Gross Loans ($M) | $140 | $144 | $145 | $162 | $167 | $170 | $167 | $172 |
| ▁▅▄▃▅█▇▇ | Total Deposits ($M) | $174 | $187 | $186 | $182 | $189 | $199 | $193 | $194 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 9% |
| Agricultural | 1% |
| Consumer | 2% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 16% |