Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.44% | -0.16 | 0.60% |
| Return on Equity (%) | ▼ | 4.59% | -2.00 | 6.59% |
| Net Interest Margin (%) | ▲ | 3.50% | +0.20 | 3.29% |
| Efficiency Ratio (%) | ▼ | 82.63% | +8.09 | 74.55% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.16 | $1 |
| Cost of Funds (%) | ▲ | 1.53% | -0.30 | 1.83% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $240 | +12.62 | $227 |
| Gross Loans ($M) | ▲ | $165 | +2.72 | $163 |
| Loan Growth YoY (%) | ▼ | 77.42% | -1.96 | 79.38% |
| Total Deposits ($M) | ▲ | $212 | +8.97 | $203 |
| Shareholders Equity ($M) | ▲ | $23 | +1.90 | $21 |
| Tang. Book Value ($M) | ▲ | $23 | +1.90 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +2.04 | $23 |
| Loan / Deposit Ratio (%) | ▼ | 77.42% | -1.96 | 79.38% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.18% | -0.38 | 1.56% |
| Allowance / Loans (%) | — | 0.91% | -0.17% | 1.08% |
| Net Charge-Off Ratio (%) | ▲ | 0.20% | -1.99 | 2.18% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.96% | +0.36 | 13.60% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▆▇▇██ | Net Interest Margin (%) | 2.89% | 2.94% | 3.14% | 3.29% | 3.38% | 3.38% | 3.44% | 3.50% |
| ▁▁▃▅█▆▁▂ | Return on Assets (%) | 0.41% | 0.43% | 0.51% | 0.60% | 0.74% | 0.66% | 0.40% | 0.44% |
| ▇▇▅▃▁▂█▇ | Efficiency Ratio (%) | 82.3% | 81.3% | 77.9% | 74.5% | 71.0% | 74.1% | 84.3% | 82.6% |
| ██▅▄▃▂▁▁ | Cost of Funds (%) | 2.23% | 2.15% | 1.91% | 1.83% | 1.72% | 1.67% | 1.58% | 1.53% |
| ▂▁▄▅▆██▄ | NPA / Assets (%) | 0.71% | 0.27% | 1.38% | 1.56% | 1.85% | 2.34% | 2.50% | 1.18% |
| ▃▁▇▇█▄▅▁ | Net Charge-Off Ratio (%) | 0.96% | 0.37% | 1.98% | 2.18% | 2.55% | 1.19% | 1.67% | 0.20% |
| ▃▁▁▂▆▇██ | Tang. Book Value ($M) | $21 | $21 | $21 | $21 | $22 | $23 | $23 | $23 |
| ▆▅▁▁█▅▂▃ | Gross Loans ($M) | $169 | $168 | $162 | $163 | $172 | $168 | $164 | $165 |
| ▁▁▂▁▇▄▅█ | Total Deposits ($M) | $203 | $203 | $205 | $203 | $210 | $206 | $208 | $212 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 15% |
| Agricultural | 7% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 18% |