Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.74% | -0.32 | 3.06% |
| Return on Equity (%) | ▼ | 16.30% | -3.56 | 19.86% |
| Net Interest Margin (%) | ▼ | 4.67% | -0.39 | 5.06% |
| Efficiency Ratio (%) | ▼ | 47.83% | +3.28 | 44.55% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.07 | $1 |
| Cost of Funds (%) | ▲ | 1.55% | -0.20 | 1.76% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $109 | +1.74 | $107 |
| Gross Loans ($M) | ▼ | $64 | -3.30 | $68 |
| Loan Growth YoY (%) | ▼ | 72.36% | -4.00 | 76.36% |
| Total Deposits ($M) | ▲ | $88 | +0.50 | $88 |
| Shareholders Equity ($M) | ▲ | $19 | +1.25 | $17 |
| Tang. Book Value ($M) | ▲ | $19 | +1.25 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 72.36% | -4.00 | 76.36% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.88% | +0.27 | 1.61% |
| Allowance / Loans (%) | — | 1.00% | -0.19% | 1.19% |
| Net Charge-Off Ratio (%) | ▼ | 2.29% | +1.21 | 1.08% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
Noninterest income ($0.24M) is materially above the typical range relative to net interest income. This may include one-time items. Efficiency ratio may not reflect recurring earnings power.
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▅▆▆▅▁▁ | Net Interest Margin (%) | 5.28% | 5.29% | 5.03% | 5.06% | 5.08% | 5.05% | 4.66% | 4.67% |
| █▃▆▅▅▃▁▁ | Return on Assets (%) | 3.31% | 2.89% | 3.12% | 3.06% | 3.07% | 2.90% | 2.77% | 2.74% |
| ▁▃▁▃▅█▆█ | Efficiency Ratio (%) | 42.7% | 44.2% | 42.8% | 44.6% | 45.5% | 47.9% | 46.3% | 47.8% |
| ▁█▅█▇▃▁▁ | Cost of Funds (%) | 1.52% | 1.77% | 1.67% | 1.76% | 1.72% | 1.61% | 1.55% | 1.55% |
| ▆▁▄▇█▄▂█ | NPA / Assets (%) | 1.37% | 0.13% | 0.97% | 1.61% | 1.96% | 1.03% | 0.58% | 1.88% |
| ▇▁▆▄▄▁▁█ | Net Charge-Off Ratio (%) | 2.00% | 0.20% | 1.57% | 1.08% | 1.15% | 0.23% | 0.14% | 2.29% |
| ▁▁▁▃▆█▇█ | Tang. Book Value ($M) | $17 | $17 | $17 | $17 | $18 | $19 | $18 | $19 |
| █▇▆▃▃▃▄▁ | Gross Loans ($M) | $74 | $72 | $71 | $68 | $67 | $67 | $68 | $64 |
| ▁▁█▁▁▄▂▁ | Total Deposits ($M) | $87 | $88 | $96 | $88 | $88 | $90 | $89 | $88 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 94% |
| Agricultural | 1% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 14% |