Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.41% | +0.06 | 1.35% |
| Return on Equity (%) | ▼ | 14.08% | -0.03 | 14.11% |
| Net Interest Margin (%) | ▲ | 3.79% | +0.32 | 3.47% |
| Efficiency Ratio (%) | ▼ | 53.62% | +2.19 | 51.43% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.04 | $0 |
| Cost of Funds (%) | ▲ | 1.14% | -0.16 | 1.30% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $104 | +0.92 | $104 |
| Gross Loans ($M) | ▼ | $67 | -0.21 | $67 |
| Loan Growth YoY (%) | ▼ | 72.08% | -2.09 | 74.17% |
| Total Deposits ($M) | ▲ | $92 | +2.28 | $89 |
| Shareholders Equity ($M) | ▲ | $11 | +0.01 | $11 |
| Tang. Book Value ($M) | ▲ | $11 | +0.01 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $12 | +0.29 | $12 |
| Loan / Deposit Ratio (%) | ▼ | 72.08% | -2.09 | 74.17% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.29% | -0.65 | 0.94% |
| Allowance / Loans (%) | — | 1.19% | 0.02% | 1.18% |
| Net Charge-Off Ratio (%) | ▲ | 0.46% | -1.00 | 1.46% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.67% | +0.32 | 15.35% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▅▆▇█ | Net Interest Margin (%) | 3.29% | 3.31% | 3.32% | 3.47% | 3.57% | 3.63% | 3.67% | 3.79% |
| ▁▁▆▇█▇▆█ | Return on Assets (%) | 1.01% | 0.97% | 1.27% | 1.35% | 1.39% | 1.35% | 1.26% | 1.41% |
| ▇█▁▁▁▁▄▂ | Efficiency Ratio (%) | 60.4% | 62.3% | 52.3% | 51.4% | 51.1% | 51.6% | 56.0% | 53.6% |
| ██▆▅▃▃▁▁ | Cost of Funds (%) | 1.49% | 1.51% | 1.40% | 1.30% | 1.22% | 1.22% | 1.09% | 1.14% |
| ▁▁▂█▂▂▃▃ | NPA / Assets (%) | 0.03% | 0.01% | 0.19% | 0.94% | 0.25% | 0.19% | 0.31% | 0.29% |
| ▁▁▂█▂▂▃▃ | Net Charge-Off Ratio (%) | 0.04% | 0.02% | 0.30% | 1.46% | 0.38% | 0.28% | 0.51% | 0.46% |
| ▂▁▄▇▅▇█▇ | Tang. Book Value ($M) | $10 | $9 | $10 | $11 | $10 | $11 | $11 | $11 |
| ▅▂█▁▄▆▁▁ | Gross Loans ($M) | $69 | $67 | $71 | $67 | $68 | $70 | $67 | $67 |
| ▅▁▅▁▃▁█▃ | Total Deposits ($M) | $93 | $89 | $93 | $89 | $91 | $90 | $97 | $92 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 26% |
| C&I / Commercial | 2% |
| Agricultural | 71% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 7% |