Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.41% | +0.04 | 1.37% |
| Return on Equity (%) | ▼ | 12.50% | -1.00 | 13.50% |
| Net Interest Margin (%) | ▼ | 3.24% | -0.11 | 3.35% |
| Efficiency Ratio (%) | ▲ | 59.23% | -0.81 | 60.05% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.03 | $0 |
| Cost of Funds (%) | ▼ | 1.02% | +0.02 | 1.00% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $104 | +6.74 | $98 |
| Gross Loans ($M) | ▲ | $30 | +0.55 | $30 |
| Loan Growth YoY (%) | ▼ | 31.81% | -1.36 | 33.17% |
| Total Deposits ($M) | ▲ | $92 | +5.52 | $87 |
| Shareholders Equity ($M) | ▲ | $12 | +1.22 | $11 |
| Tang. Book Value ($M) | ▲ | $12 | +1.22 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +1.39 | $14 |
| Loan / Deposit Ratio (%) | ▼ | 31.81% | -1.36 | 33.17% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.21% | +0.00 | 0.21% |
| Allowance / Loans (%) | — | 2.96% | -0.12% | 3.08% |
| Net Charge-Off Ratio (%) | ▲ | 0.63% | -0.07 | 0.69% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▅▂██▅▁▁ | Net Interest Margin (%) | 3.30% | 3.31% | 3.26% | 3.35% | 3.35% | 3.30% | 3.24% | 3.24% |
| ▆▁▇▇█▄▇█ | Return on Assets (%) | 1.34% | 1.15% | 1.35% | 1.37% | 1.41% | 1.25% | 1.35% | 1.41% |
| ▂█▃▂▁▅▃▁ | Efficiency Ratio (%) | 60.5% | 65.7% | 61.1% | 60.0% | 58.9% | 62.9% | 61.4% | 59.2% |
| ███▆▅▁▄█ | Cost of Funds (%) | 1.03% | 1.03% | 1.03% | 1.00% | 0.99% | 0.92% | 0.98% | 1.02% |
| ▃▃█▄▁▇▅▄ | NPA / Assets (%) | 0.21% | 0.20% | 0.35% | 0.21% | 0.13% | 0.30% | 0.26% | 0.21% |
| ▃▃▃▄▁█▅▃ | Net Charge-Off Ratio (%) | 0.63% | 0.62% | 0.63% | 0.69% | 0.43% | 1.02% | 0.75% | 0.63% |
| ▇▁▄▅██▇█ | Tang. Book Value ($M) | $11 | $9 | $10 | $11 | $12 | $12 | $11 | $12 |
| █▆▃▁▁▄▄▃ | Gross Loans ($M) | $33 | $31 | $30 | $30 | $29 | $31 | $31 | $30 |
| ▂▄▁▁▁█▄▇ | Total Deposits ($M) | $88 | $89 | $87 | $87 | $87 | $93 | $90 | $92 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 52% |
| C&I / Commercial | 16% |
| Agricultural | 11% |
| Consumer | 19% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 59% |
| Brokered / Other | 18% |