Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.40% | -0.71 | 1.11% |
| Return on Equity (%) | ▼ | 5.73% | -12.98 | 18.71% |
| Net Interest Margin (%) | ▼ | 0.43% | -3.03 | 3.45% |
| Efficiency Ratio (%) | ▲ | 4.18% | -64.23 | 68.41% |
| Pre-Provision Profit ($M) | ▼ | $-0 | -0.43 | $0 |
| Cost of Funds (%) | ▲ | -1.37% | -3.15 | 1.78% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $115 | +9.04 | $106 |
| Gross Loans ($M) | ▼ | $58 | -2.39 | $61 |
| Loan Growth YoY (%) | ▼ | 55.24% | -5.83 | 61.07% |
| Total Deposits ($M) | ▲ | $105 | +6.05 | $99 |
| Shareholders Equity ($M) | ▲ | $10 | +2.96 | $7 |
| Tang. Book Value ($M) | ▲ | $8 | +1.19 | $7 |
| TBV excl. AOCI ($M)** | ▲ | $9 | +1.50 | $8 |
| Loan / Deposit Ratio (%) | ▼ | 55.24% | -5.83 | 61.07% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.47% | -0.01 | 0.48% |
| Allowance / Loans (%) | — | 0.85% | 0.08% | 0.77% |
| Net Charge-Off Ratio (%) | ▼ | 0.93% | +0.09 | 0.84% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.38% | +1.65 | 11.73% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▇▇█████▁ | Net Interest Margin (%) | 2.94% | 3.03% | 3.38% | 3.45% | 3.50% | 3.52% | 3.50% | 0.43% |
| ▁▆▇███▆▁ | Return on Assets (%) | 0.46% | 0.94% | 0.95% | 1.11% | 1.13% | 1.06% | 0.94% | 0.40% |
| ██▇▇▇▇▇▁ | Efficiency Ratio (%) | 84.6% | 82.5% | 72.4% | 68.4% | 68.0% | 70.4% | 67.7% | 4.2% |
| ███████▁ | Cost of Funds (%) | 1.67% | 1.66% | 1.61% | 1.78% | 1.74% | 1.71% | 1.60% | -1.37% |
| ▁▁▁▆██▇▆ | NPA / Assets (%) | 0.04% | 0.02% | 0.02% | 0.48% | 0.72% | 0.69% | 0.59% | 0.47% |
| ▁▁▁▆███▆ | Net Charge-Off Ratio (%) | 0.07% | 0.03% | 0.03% | 0.84% | 1.23% | 1.26% | 1.16% | 0.93% |
| ▁▂▃▅▆▇▆█ | Tang. Book Value ($M) | $5 | $6 | $6 | $7 | $7 | $7 | $7 | $8 |
| ▁▁▂▅█▄▁▁ | Gross Loans ($M) | $58 | $59 | $59 | $61 | $63 | $60 | $58 | $58 |
| ▁▂▄▄▄▆█▇ | Total Deposits ($M) | $93 | $95 | $100 | $99 | $99 | $103 | $107 | $105 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 7% |
| Agricultural | 8% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 11% |