Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.70% | +0.13 | 1.56% |
| Return on Equity (%) | ▲ | 17.51% | +0.76 | 16.75% |
| Net Interest Margin (%) | ▲ | 3.49% | +0.16 | 3.32% |
| Efficiency Ratio (%) | ▲ | 52.56% | -2.22 | 54.78% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.04 | $0 |
| Cost of Funds (%) | ▲ | 0.97% | -0.05 | 1.02% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $124 | +13.97 | $110 |
| Gross Loans ($M) | ▼ | $25 | -4.84 | $30 |
| Loan Growth YoY (%) | ▼ | 22.25% | -7.90 | 30.15% |
| Total Deposits ($M) | ▲ | $112 | +13.16 | $99 |
| Shareholders Equity ($M) | ▲ | $12 | +0.80 | $11 |
| Tang. Book Value ($M) | ▲ | $12 | +0.80 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +1.14 | $14 |
| Loan / Deposit Ratio (%) | ▼ | 22.25% | -7.90 | 30.15% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.02% | +0.08 | 0.94% |
| Allowance / Loans (%) | — | 1.15% | 0.21% | 0.94% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -3.45 | 3.45% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▂▁▁▂▁█▅ | Net Interest Margin (%) | 3.45% | 3.36% | 3.32% | 3.32% | 3.34% | 3.29% | 3.65% | 3.49% |
| █▆▁▁▂▂█▄ | Return on Assets (%) | 1.87% | 1.77% | 1.55% | 1.56% | 1.60% | 1.60% | 1.83% | 1.70% |
| ▁▂██▇▆▄▆ | Efficiency Ratio (%) | 48.6% | 49.9% | 54.5% | 54.8% | 53.7% | 53.2% | 51.1% | 52.6% |
| █▁▂▆█▄▇▄ | Cost of Funds (%) | 1.06% | 0.90% | 0.94% | 1.02% | 1.07% | 0.99% | 1.03% | 0.97% |
| ▁▆▆▇█▆▇▇ | NPA / Assets (%) | 0.00% | 0.77% | 0.85% | 0.94% | 1.20% | 0.86% | 1.04% | 1.02% |
| ▁▇▇███▁▁ | Net Charge-Off Ratio (%) | 0.00% | 3.16% | 3.01% | 3.45% | 3.72% | 3.71% | 0.00% | 0.00% |
| ▅▁▃▆█▆▇█ | Tang. Book Value ($M) | $11 | $10 | $11 | $11 | $12 | $12 | $12 | $12 |
| █▆█▇▅▆▁▁ | Gross Loans ($M) | $31 | $29 | $31 | $30 | $28 | $29 | $25 | $25 |
| ▁█▃▃▄█▇█ | Total Deposits ($M) | $91 | $112 | $99 | $99 | $102 | $113 | $109 | $112 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 55% |
| C&I / Commercial | 20% |
| Agricultural | 5% |
| Consumer | 16% |
| Other | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 40% |
| Interest-Bearing (core) | 42% |
| Brokered / Other | 17% |