Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.34% | -0.33 | 1.67% |
| Return on Equity (%) | ▼ | 15.46% | -3.91 | 19.37% |
| Net Interest Margin (%) | ▼ | 4.12% | -0.40 | 4.52% |
| Efficiency Ratio (%) | ▼ | 61.64% | +5.12 | 56.52% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.12 | $1 |
| Cost of Funds (%) | ▼ | 1.25% | +0.06 | 1.18% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $140 | +6.92 | $133 |
| Gross Loans ($M) | ▼ | $89 | -4.98 | $94 |
| Loan Growth YoY (%) | ▼ | 72.43% | -8.99 | 81.42% |
| Total Deposits ($M) | ▲ | $121 | +7.15 | $114 |
| Shareholders Equity ($M) | ▲ | $12 | +0.07 | $12 |
| Tang. Book Value ($M) | ▲ | $12 | +0.07 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +0.54 | $13 |
| Loan / Deposit Ratio (%) | ▼ | 72.43% | -8.99 | 81.42% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.85% | +2.85 | 0.00% |
| Allowance / Loans (%) | — | 1.74% | 0.15% | 1.59% |
| Net Charge-Off Ratio (%) | ▼ | 4.48% | +4.48 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.23% | +1.18 | 14.05% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆███▃▄ | Net Interest Margin (%) | 3.84% | 4.00% | 4.33% | 4.52% | 4.53% | 4.52% | 4.02% | 4.12% |
| ▁▂▆███▁▃ | Return on Assets (%) | 1.18% | 1.29% | 1.53% | 1.67% | 1.66% | 1.62% | 1.18% | 1.34% |
| ██▂▁▁▂▇█ | Efficiency Ratio (%) | 62.3% | 62.0% | 56.8% | 56.5% | 56.0% | 57.4% | 60.9% | 61.6% |
| █▃█▃▁▇▂▇ | Cost of Funds (%) | 1.26% | 1.18% | 1.25% | 1.18% | 1.14% | 1.24% | 1.16% | 1.25% |
| ▁▁▁▁▁▁██ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.80% | 2.85% |
| ▁▁▁▁▁▁██ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 4.33% | 4.48% |
| ▁▂▂▄▆█▄▅ | Tang. Book Value ($M) | $11 | $12 | $12 | $12 | $12 | $13 | $12 | $12 |
| ▂▆█▅▁▄▃▁ | Gross Loans ($M) | $89 | $95 | $98 | $94 | $88 | $92 | $92 | $89 |
| █▇▆▁▃██▇ | Total Deposits ($M) | $122 | $121 | $119 | $114 | $116 | $122 | $123 | $121 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 54% |
| C&I / Commercial | 6% |
| Agricultural | 38% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 81% |
| Brokered / Other | 1% |