Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.36% | -0.09 | 0.45% |
| Return on Equity (%) | ▼ | 4.48% | -1.60 | 6.08% |
| Net Interest Margin (%) | ▲ | 4.10% | +0.36 | 3.75% |
| Efficiency Ratio (%) | ▼ | 86.86% | +4.44 | 82.42% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.01 | $0 |
| Cost of Funds (%) | ▲ | 1.23% | -0.30 | 1.54% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $161 | +7.12 | $154 |
| Gross Loans ($M) | ▼ | $111 | -2.35 | $114 |
| Loan Growth YoY (%) | ▼ | 74.42% | -5.04 | 79.46% |
| Total Deposits ($M) | ▲ | $148 | +6.31 | $142 |
| Shareholders Equity ($M) | ▲ | $13 | +0.91 | $12 |
| Tang. Book Value ($M) | ▲ | $13 | +0.91 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +0.70 | $13 |
| Loan / Deposit Ratio (%) | ▼ | 74.42% | -5.04 | 79.46% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.48% | -0.20 | 0.68% |
| Allowance / Loans (%) | — | 0.87% | 0.11% | 0.76% |
| Net Charge-Off Ratio (%) | ▲ | 0.70% | -0.09 | 0.79% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -14.09 | 14.09% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▆▅▄▅▇█ | Net Interest Margin (%) | 3.35% | 3.37% | 3.85% | 3.75% | 3.72% | 3.81% | 3.95% | 4.10% |
| ▄▄▇▄█▆▃▁ | Return on Assets (%) | 0.45% | 0.45% | 0.54% | 0.45% | 0.57% | 0.51% | 0.41% | 0.36% |
| ▄▄▁▄▁▃▇█ | Efficiency Ratio (%) | 82.1% | 82.2% | 78.9% | 82.4% | 79.3% | 81.7% | 85.1% | 86.9% |
| ██▅▆▅▄▁▁ | Cost of Funds (%) | 1.70% | 1.68% | 1.50% | 1.54% | 1.49% | 1.45% | 1.26% | 1.23% |
| ▄▃▁▇▁█▁▂ | NPA / Assets (%) | 0.57% | 0.50% | 0.44% | 0.68% | 0.43% | 0.73% | 0.42% | 0.48% |
| ▄▃▁▆▁█▃▄ | Net Charge-Off Ratio (%) | 0.70% | 0.60% | 0.54% | 0.79% | 0.48% | 0.97% | 0.60% | 0.70% |
| ▃▁▃▄████ | Tang. Book Value ($M) | $12 | $11 | $12 | $12 | $13 | $13 | $13 | $13 |
| ▅▆██▁▄▄▃ | Gross Loans ($M) | $112 | $113 | $114 | $114 | $110 | $112 | $112 | $111 |
| ▁▁▅▃▃▆██ | Total Deposits ($M) | $140 | $139 | $144 | $142 | $143 | $145 | $149 | $148 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 8% |
| Agricultural | 4% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 7% |