Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.55% | -0.45 | 1.00% |
| Return on Equity (%) | ▼ | 4.84% | -4.59 | 9.43% |
| Net Interest Margin (%) | ▲ | 4.22% | +0.12 | 4.09% |
| Efficiency Ratio (%) | ▼ | 69.36% | +2.22 | 67.14% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.04 | $1 |
| Cost of Funds (%) | ▲ | 1.33% | -0.07 | 1.40% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $201 | +8.72 | $192 |
| Gross Loans ($M) | ▲ | $109 | +2.39 | $107 |
| Loan Growth YoY (%) | ▼ | 62.07% | -2.68 | 64.75% |
| Total Deposits ($M) | ▲ | $174 | +10.66 | $163 |
| Shareholders Equity ($M) | ▲ | $23 | +1.14 | $21 |
| Tang. Book Value ($M) | ▲ | $23 | +1.14 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +1.56 | $25 |
| Loan / Deposit Ratio (%) | ▼ | 62.07% | -2.68 | 64.75% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.10% | -0.14 | 0.24% |
| Allowance / Loans (%) | — | 0.96% | 0.12% | 0.84% |
| Net Charge-Off Ratio (%) | ▲ | 0.09% | -0.27 | 0.37% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▇████ | Net Interest Margin (%) | 3.61% | 3.67% | 3.98% | 4.09% | 4.17% | 4.22% | 4.18% | 4.22% |
| ▂▄▇██▇▃▁ | Return on Assets (%) | 0.65% | 0.77% | 0.97% | 1.00% | 1.04% | 0.93% | 0.72% | 0.55% |
| █▅▄▂▁▁▄▅ | Efficiency Ratio (%) | 72.2% | 69.3% | 68.4% | 67.1% | 66.2% | 65.8% | 68.5% | 69.4% |
| ▄█▅▃▂▁▁▁ | Cost of Funds (%) | 1.42% | 1.54% | 1.44% | 1.40% | 1.38% | 1.35% | 1.34% | 1.33% |
| ██▇▆▆▃▃▁ | NPA / Assets (%) | 0.33% | 0.30% | 0.30% | 0.24% | 0.24% | 0.16% | 0.18% | 0.10% |
| ███▅▆▄▃▁ | Net Charge-Off Ratio (%) | 0.58% | 0.53% | 0.53% | 0.37% | 0.44% | 0.29% | 0.27% | 0.09% |
| ▃▁▄▅███▇ | Tang. Book Value ($M) | $21 | $20 | $21 | $21 | $23 | $23 | $23 | $23 |
| ▅▅▅▁▂█▅▄ | Gross Loans ($M) | $110 | $110 | $109 | $107 | $108 | $112 | $109 | $109 |
| ▁▁▄▁▂▃██ | Total Deposits ($M) | $164 | $163 | $168 | $163 | $166 | $166 | $175 | $174 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 7% |
| Agricultural | 1% |
| Consumer | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 12% |