Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.17% | +0.48 | 0.69% |
| Return on Equity (%) | ▲ | 9.95% | +3.14 | 6.81% |
| Net Interest Margin (%) | ▲ | 2.75% | +0.52 | 2.23% |
| Efficiency Ratio (%) | ▲ | 57.16% | -12.33 | 69.49% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.16 | $0 |
| Cost of Funds (%) | ▲ | 1.68% | -0.20 | 1.88% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $108 | -0.11 | $108 |
| Gross Loans ($M) | ▼ | $48 | -0.98 | $49 |
| Loan Growth YoY (%) | ▼ | 53.73% | -0.21 | 53.94% |
| Total Deposits ($M) | ▼ | $88 | -1.54 | $90 |
| Shareholders Equity ($M) | ▲ | $13 | +1.46 | $12 |
| Tang. Book Value ($M) | ▲ | $13 | +1.46 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +1.69 | $14 |
| Loan / Deposit Ratio (%) | ▼ | 53.73% | -0.21 | 53.94% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.78% | +0.18 | 0.60% |
| Allowance / Loans (%) | — | 1.98% | 0.10% | 1.88% |
| Net Charge-Off Ratio (%) | ▲ | 1.00% | -0.20 | 1.20% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▅▇█ | Net Interest Margin (%) | 1.96% | 2.00% | 2.14% | 2.23% | 2.31% | 2.39% | 2.60% | 2.75% |
| ▁▁▃▄▄▅▇█ | Return on Assets (%) | 0.36% | 0.44% | 0.57% | 0.69% | 0.76% | 0.84% | 0.99% | 1.17% |
| ██▆▅▄▃▂▁ | Efficiency Ratio (%) | 80.9% | 78.1% | 74.0% | 69.5% | 67.6% | 65.5% | 61.0% | 57.2% |
| █▆▅▅▄▃▂▁ | Cost of Funds (%) | 2.05% | 1.94% | 1.91% | 1.88% | 1.82% | 1.81% | 1.76% | 1.68% |
| ▂▁▂▄▅███ | NPA / Assets (%) | 0.48% | 0.42% | 0.48% | 0.60% | 0.63% | 0.81% | 0.78% | 0.78% |
| ▃▁▃▇█▃▂▄ | Net Charge-Off Ratio (%) | 0.95% | 0.77% | 0.92% | 1.20% | 1.26% | 0.94% | 0.86% | 1.00% |
| ▂▁▃▅▇█▇█ | Tang. Book Value ($M) | $11 | $10 | $11 | $12 | $12 | $13 | $13 | $13 |
| ▁▇█▅▇▅▆▁ | Gross Loans ($M) | $49 | $50 | $50 | $49 | $50 | $49 | $50 | $48 |
| ▇▄▁▅▅▆█▂ | Total Deposits ($M) | $91 | $89 | $87 | $90 | $90 | $91 | $92 | $88 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 12% |
| Agricultural | 5% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 3% |