Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.81% | -0.03 | 0.84% |
| Return on Equity (%) | ▼ | 9.15% | -0.74 | 9.89% |
| Net Interest Margin (%) | ▲ | 3.68% | +0.47 | 3.20% |
| Efficiency Ratio (%) | ▲ | 65.28% | -6.63 | 71.91% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.16 | $1 |
| Cost of Funds (%) | ▲ | 2.25% | -0.20 | 2.45% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $328 | +9.49 | $319 |
| Gross Loans ($M) | ▼ | $276 | -1.05 | $277 |
| Loan Growth YoY (%) | ▼ | 97.59% | -6.35 | 103.95% |
| Total Deposits ($M) | ▲ | $280 | +16.04 | $264 |
| Shareholders Equity ($M) | ▲ | $29 | +2.45 | $27 |
| Tang. Book Value ($M) | ▲ | $29 | +2.45 | $27 |
| Loan / Deposit Ratio (%) | ▼ | 97.59% | -6.35 | 103.95% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.55% | +0.05 | 1.50% |
| Allowance / Loans (%) | — | 0.94% | 0.03% | 0.91% |
| Net Charge-Off Ratio (%) | ▼ | 1.83% | +0.15 | 1.68% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 11.83% | +1.08 | 10.75% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▆██ | Net Interest Margin (%) | 2.77% | 2.82% | 3.13% | 3.20% | 3.25% | 3.36% | 3.59% | 3.68% |
| ▁▂▁▅▇█▅▅ | Return on Assets (%) | 0.48% | 0.59% | 0.55% | 0.84% | 0.95% | 1.11% | 0.85% | 0.81% |
| █▇█▄▃▁▁▁ | Efficiency Ratio (%) | 80.3% | 77.6% | 79.8% | 71.9% | 69.7% | 66.4% | 66.3% | 65.3% |
| ██▅▆▆▅▁▁ | Cost of Funds (%) | 2.57% | 2.55% | 2.40% | 2.45% | 2.46% | 2.40% | 2.22% | 2.25% |
| ▃▁█▅▇▄█▆ | NPA / Assets (%) | 1.42% | 1.33% | 1.65% | 1.50% | 1.62% | 1.48% | 1.66% | 1.55% |
| ▂▁█▃▆▄█▆ | Net Charge-Off Ratio (%) | 1.61% | 1.55% | 1.91% | 1.68% | 1.84% | 1.72% | 1.95% | 1.83% |
| ▁▂▂▃▅███ | Tang. Book Value ($M) | $26 | $26 | $26 | $27 | $28 | $29 | $29 | $29 |
| ▁▁▃▆██▇▆ | Gross Loans ($M) | $259 | $262 | $265 | $277 | $281 | $283 | $279 | $276 |
| ▁▂▂▄▆▇██ | Total Deposits ($M) | $250 | $254 | $257 | $264 | $269 | $277 | $280 | $280 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 14% |
| Agricultural | 4% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 14% |