Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.61% | -0.15 | 1.76% |
| Return on Equity (%) | ▼ | 17.22% | -2.91 | 20.13% |
| Net Interest Margin (%) | ▼ | 3.61% | -0.33 | 3.94% |
| Efficiency Ratio (%) | ▼ | 56.42% | +1.18 | 55.24% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.04 | $1 |
| Cost of Funds (%) | ▲ | 1.44% | -0.09 | 1.53% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $119 | +5.81 | $113 |
| Gross Loans ($M) | ▼ | $63 | -2.63 | $66 |
| Loan Growth YoY (%) | ▼ | 58.35% | -6.99 | 65.35% |
| Total Deposits ($M) | ▲ | $106 | +7.62 | $98 |
| Shareholders Equity ($M) | ▲ | $11 | +0.96 | $10 |
| Tang. Book Value ($M) | ▲ | $11 | +0.96 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $13 | +1.18 | $12 |
| Loan / Deposit Ratio (%) | ▼ | 58.35% | -6.99 | 65.35% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.04 | 0.04% |
| Allowance / Loans (%) | — | 2.44% | -0.21% | 2.65% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.07 | 0.07% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -15.62 | 15.62% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂██▇▆▁▁ | Net Interest Margin (%) | 3.60% | 3.65% | 3.98% | 3.94% | 3.92% | 3.86% | 3.60% | 3.61% |
| ▅▁▇██▅▅▃ | Return on Assets (%) | 1.67% | 1.53% | 1.73% | 1.76% | 1.75% | 1.66% | 1.67% | 1.61% |
| ▁▆▇▄▃█▃▇ | Efficiency Ratio (%) | 53.8% | 56.3% | 56.4% | 55.2% | 54.9% | 57.1% | 55.0% | 56.4% |
| ▇▄▃▄▅█▁▂ | Cost of Funds (%) | 1.65% | 1.54% | 1.48% | 1.53% | 1.56% | 1.71% | 1.38% | 1.44% |
| ▃▃██▄▅▁▁ | NPA / Assets (%) | 0.01% | 0.01% | 0.04% | 0.04% | 0.02% | 0.02% | 0.00% | 0.00% |
| ▃▃██▄▅▁▁ | Net Charge-Off Ratio (%) | 0.02% | 0.02% | 0.07% | 0.07% | 0.03% | 0.04% | 0.00% | 0.00% |
| ▆▁▃▄█▅▆▇ | Tang. Book Value ($M) | $11 | $9 | $10 | $10 | $12 | $11 | $11 | $11 |
| ▅▆▄▅█▆▁▃ | Gross Loans ($M) | $66 | $67 | $65 | $66 | $70 | $68 | $61 | $63 |
| ▂▁▄▄▅▄██ | Total Deposits ($M) | $94 | $92 | $98 | $98 | $100 | $99 | $107 | $106 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 26% |
| C&I / Commercial | 7% |
| Agricultural | 63% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 10% |