Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.08% | -1.07 | 1.15% |
| Return on Equity (%) | ▼ | 0.81% | -11.27 | 12.08% |
| Net Interest Margin (%) | ▼ | 4.75% | -0.19 | 4.94% |
| Efficiency Ratio (%) | ▼ | 74.39% | +8.78 | 65.61% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.16 | $1 |
| Cost of Funds (%) | ▲ | 2.10% | -0.23 | 2.32% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $133 | -9.37 | $142 |
| Gross Loans ($M) | ▼ | $109 | -6.30 | $116 |
| Loan Growth YoY (%) | ▼ | 94.09% | -15.08 | 109.16% |
| Total Deposits ($M) | ▲ | $113 | +8.73 | $104 |
| Shareholders Equity ($M) | ▼ | $13 | -0.90 | $14 |
| Tang. Book Value ($M) | ▼ | $13 | -0.90 | $14 |
| Loan / Deposit Ratio (%) | ▼ | 94.09% | -15.08 | 109.16% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 6.90% | +2.05 | 4.84% |
| Allowance / Loans (%) | — | 3.02% | 1.16% | 1.86% |
| Net Charge-Off Ratio (%) | ▼ | 7.98% | +2.85 | 5.13% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▆███▆▁▅ | Net Interest Margin (%) | 4.74% | 4.80% | 4.93% | 4.94% | 4.98% | 4.80% | 4.47% | 4.75% |
| ▅▆▇█▆▁▇▃ | Return on Assets (%) | 0.56% | 0.72% | 0.84% | 1.15% | 0.76% | -0.33% | 0.84% | 0.08% |
| ▁▁▅▄▅▇██ | Efficiency Ratio (%) | 58.5% | 59.7% | 67.9% | 65.6% | 69.4% | 72.1% | 76.6% | 74.4% |
| ██▅▄▇▇▂▁ | Cost of Funds (%) | 2.56% | 2.56% | 2.38% | 2.32% | 2.48% | 2.48% | 2.21% | 2.10% |
| ▁▄▅▅▂▅██ | NPA / Assets (%) | 1.62% | 4.05% | 4.82% | 4.84% | 2.64% | 4.55% | 6.69% | 6.90% |
| ▁▄▅▅▂▆██ | Net Charge-Off Ratio (%) | 1.10% | 4.18% | 4.99% | 5.13% | 2.76% | 5.42% | 7.80% | 7.98% |
| ▄▄▃▇█▁▃▁ | Tang. Book Value ($M) | $13 | $13 | $13 | $14 | $14 | $13 | $13 | $13 |
| ▇▅▄▅█▇▅▁ | Gross Loans ($M) | $119 | $115 | $114 | $116 | $121 | $118 | $116 | $109 |
| ▃▁▁▃▂▃█▇ | Total Deposits ($M) | $104 | $98 | $97 | $104 | $102 | $102 | $116 | $113 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 38% |
| C&I / Commercial | 42% |
| Agricultural | 9% |
| Consumer | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 25% |