Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.93% | +0.24 | 0.68% |
| Return on Equity (%) | ▲ | 5.39% | +1.43 | 3.96% |
| Net Interest Margin (%) | ▲ | 3.00% | +0.21 | 2.78% |
| Efficiency Ratio (%) | ▲ | 63.84% | -8.48 | 72.32% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.15 | $0 |
| Cost of Funds (%) | ▼ | 1.12% | +0.08 | 1.04% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $134 | +7.76 | $126 |
| Gross Loans ($M) | ▲ | $47 | +0.18 | $47 |
| Loan Growth YoY (%) | ▼ | 42.33% | -2.46 | 44.79% |
| Total Deposits ($M) | ▲ | $111 | +6.52 | $104 |
| Shareholders Equity ($M) | ▲ | $23 | +1.09 | $22 |
| Tang. Book Value ($M) | ▲ | $23 | +1.09 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +1.38 | $25 |
| Loan / Deposit Ratio (%) | ▼ | 42.33% | -2.46 | 44.79% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.04% | -0.80 | 0.84% |
| Allowance / Loans (%) | — | 0.74% | -0.02% | 0.76% |
| Net Charge-Off Ratio (%) | ▲ | 0.01% | -2.24 | 2.26% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▃▁▂▃▆▇█ | Net Interest Margin (%) | 2.79% | 2.79% | 2.72% | 2.78% | 2.81% | 2.90% | 2.94% | 3.00% |
| ▄▄▁▄▄▅▄█ | Return on Assets (%) | 0.70% | 0.71% | 0.52% | 0.68% | 0.68% | 0.75% | 0.72% | 0.93% |
| ▄▄█▅▆▄▄▁ | Efficiency Ratio (%) | 70.9% | 71.0% | 78.5% | 72.3% | 73.1% | 71.0% | 70.6% | 63.8% |
| ▁▃▅▆████ | Cost of Funds (%) | 0.85% | 0.94% | 0.99% | 1.04% | 1.11% | 1.13% | 1.12% | 1.12% |
| ▁▁▆██▅▁▁ | NPA / Assets (%) | 0.03% | 0.08% | 0.55% | 0.84% | 0.84% | 0.47% | 0.04% | 0.04% |
| ▁▁▆██▅▁▁ | Net Charge-Off Ratio (%) | 0.06% | 0.20% | 1.47% | 2.26% | 2.23% | 1.24% | 0.13% | 0.01% |
| ▁▁▂▄▆█▇█ | Tang. Book Value ($M) | $21 | $21 | $21 | $22 | $22 | $23 | $23 | $23 |
| ▅█▁▆▇█▅▇ | Gross Loans ($M) | $47 | $47 | $46 | $47 | $47 | $47 | $47 | $47 |
| ▁▁▃▄▃▆██ | Total Deposits ($M) | $98 | $99 | $102 | $104 | $102 | $106 | $110 | $111 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 64% |
| C&I / Commercial | 14% |
| Agricultural | 2% |
| Consumer | 20% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 8% |