Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.40% | +0.08 | 1.32% |
| Return on Equity (%) | ▼ | 15.71% | -0.10 | 15.81% |
| Net Interest Margin (%) | ▲ | 4.38% | +0.30 | 4.09% |
| Efficiency Ratio (%) | ▼ | 65.55% | +0.89 | 64.66% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.07 | $0 |
| Cost of Funds (%) | ▲ | 1.53% | -0.11 | 1.64% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $126 | +6.09 | $120 |
| Gross Loans ($M) | ▲ | $113 | +1.41 | $112 |
| Loan Growth YoY (%) | ▼ | 97.96% | -17.71 | 115.67% |
| Total Deposits ($M) | ▲ | $114 | +18.65 | $96 |
| Shareholders Equity ($M) | ▲ | $11 | +0.88 | $10 |
| Tang. Book Value ($M) | ▲ | $11 | +0.88 | $10 |
| Loan / Deposit Ratio (%) | ▼ | 97.96% | -17.71 | 115.67% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.53% | +0.53 | 1.00% |
| Allowance / Loans (%) | — | 0.75% | 0.08% | 0.67% |
| Net Charge-Off Ratio (%) | ▼ | 1.27% | +0.26 | 1.01% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.72% | +0.93 | 11.79% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 3.64% | 3.73% | 3.97% | 4.09% | 4.11% | 4.18% | 4.46% | 4.38% |
| ▁▁▆▇▆▄▆█ | Return on Assets (%) | 0.77% | 0.82% | 1.25% | 1.32% | 1.21% | 1.08% | 1.23% | 1.40% |
| ██▁▁▂▄▄▁ | Efficiency Ratio (%) | 73.4% | 73.8% | 65.0% | 64.7% | 66.1% | 69.0% | 69.0% | 65.6% |
| █▇▇▇▇▃▁▄ | Cost of Funds (%) | 1.71% | 1.66% | 1.63% | 1.64% | 1.63% | 1.48% | 1.38% | 1.53% |
| ▂▁█▄▅▅██ | NPA / Assets (%) | 0.70% | 0.51% | 1.41% | 1.00% | 1.02% | 1.07% | 1.52% | 1.53% |
| ▂▁▇▄▄▅█▆ | Net Charge-Off Ratio (%) | 0.69% | 0.48% | 1.45% | 1.01% | 1.03% | 1.15% | 1.66% | 1.27% |
| ▁▁▂▄▆▆▇█ | Tang. Book Value ($M) | $10 | $10 | $10 | $10 | $11 | $11 | $11 | $11 |
| ▁▄▃▂▃█▇█ | Gross Loans ($M) | $111 | $112 | $112 | $112 | $112 | $113 | $113 | $113 |
| ▂▃▃▂▁▇██ | Total Deposits ($M) | $97 | $98 | $97 | $96 | $91 | $109 | $112 | $114 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 7% |
| Agricultural | 7% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 9% |