Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.25% | -0.26 | 1.51% |
| Return on Equity (%) | ▼ | 13.41% | -3.14 | 16.55% |
| Net Interest Margin (%) | ▲ | 3.95% | +0.07 | 3.88% |
| Efficiency Ratio (%) | ▼ | 60.95% | +4.17 | 56.78% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.02 | $1 |
| Cost of Funds (%) | ▲ | 2.60% | -0.28 | 2.87% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $176 | +4.13 | $171 |
| Gross Loans ($M) | ▲ | $151 | +3.78 | $147 |
| Loan Growth YoY (%) | ▼ | 93.51% | -0.26 | 93.78% |
| Total Deposits ($M) | ▲ | $159 | +3.73 | $155 |
| Shareholders Equity ($M) | ▲ | $16 | +0.43 | $16 |
| Tang. Book Value ($M) | ▲ | $16 | +0.43 | $16 |
| Loan / Deposit Ratio (%) | ▼ | 93.51% | -0.26 | 93.78% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.41% | +0.32 | 1.09% |
| Allowance / Loans (%) | — | 1.70% | 0.43% | 1.27% |
| Net Charge-Off Ratio (%) | ▼ | 1.30% | +0.02 | 1.28% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▄▂▁▆█▆▃ | Net Interest Margin (%) | 3.89% | 3.96% | 3.92% | 3.88% | 4.02% | 4.07% | 4.01% | 3.95% |
| ███▆▆▁▂▃ | Return on Assets (%) | 1.71% | 1.71% | 1.63% | 1.51% | 1.50% | 0.97% | 1.16% | 1.25% |
| ▁▂▁▃▃▃█▇ | Efficiency Ratio (%) | 54.0% | 54.9% | 53.8% | 56.8% | 56.4% | 56.1% | 62.2% | 61.0% |
| █▇▃▆▇▄▁▁ | Cost of Funds (%) | 3.00% | 2.91% | 2.71% | 2.87% | 2.93% | 2.76% | 2.55% | 2.60% |
| ▁▁▂▆▆▂▁█ | NPA / Assets (%) | 0.59% | 0.49% | 0.71% | 1.09% | 1.15% | 0.61% | 0.57% | 1.41% |
| ▁▁▄██▂▁█ | Net Charge-Off Ratio (%) | 0.66% | 0.59% | 0.86% | 1.28% | 1.27% | 0.71% | 0.66% | 1.30% |
| ▁▃▄▆█▆▆█ | Tang. Book Value ($M) | $15 | $16 | $16 | $16 | $16 | $16 | $16 | $16 |
| ▇▂▁▄█▄██ | Gross Loans ($M) | $150 | $146 | $144 | $147 | $152 | $148 | $151 | $151 |
| ▁██▇▅▆██ | Total Deposits ($M) | $142 | $159 | $157 | $155 | $151 | $154 | $158 | $159 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 32% |
| C&I / Commercial | 25% |
| Agricultural | 39% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 17% |