Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.27% | +0.13 | 2.14% |
| Return on Equity (%) | ▲ | 14.85% | +0.22 | 14.63% |
| Net Interest Margin (%) | ▲ | 4.31% | +0.17 | 4.14% |
| Efficiency Ratio (%) | ▲ | 52.58% | -0.44 | 53.02% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.08 | $1 |
| Cost of Funds (%) | ▲ | 1.10% | -0.05 | 1.15% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $97 | -0.19 | $98 |
| Gross Loans ($M) | ▼ | $56 | -0.24 | $56 |
| Loan Growth YoY (%) | ▲ | 67.31% | +0.33 | 66.97% |
| Total Deposits ($M) | ▼ | $82 | -0.74 | $82 |
| Shareholders Equity ($M) | ▲ | $16 | +0.61 | $15 |
| Tang. Book Value ($M) | ▲ | $16 | +0.61 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 67.31% | +0.33 | 66.97% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.86% | -1.59 | 2.45% |
| Allowance / Loans (%) | — | 1.38% | -0.02% | 1.40% |
| Net Charge-Off Ratio (%) | ▲ | 1.46% | -2.80 | 4.26% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▆▁▃▇▆▃█ | Net Interest Margin (%) | 4.33% | 4.24% | 4.06% | 4.14% | 4.27% | 4.26% | 4.16% | 4.31% |
| ▁▁▂▆▃▂▁█ | Return on Assets (%) | 1.89% | 1.90% | 1.98% | 2.14% | 2.00% | 1.97% | 1.93% | 2.27% |
| █▇▅▁▇▇█▁ | Efficiency Ratio (%) | 58.0% | 57.6% | 56.0% | 53.0% | 57.1% | 57.4% | 58.5% | 52.6% |
| █▅▃▄▅▁▂▁ | Cost of Funds (%) | 1.22% | 1.16% | 1.13% | 1.15% | 1.17% | 1.09% | 1.11% | 1.10% |
| ▁▂▂█▇▁▂▃ | NPA / Assets (%) | 0.36% | 0.65% | 0.77% | 2.45% | 2.17% | 0.31% | 0.77% | 0.86% |
| ▁▂▂█▇▁▂▂ | Net Charge-Off Ratio (%) | 0.55% | 1.22% | 1.43% | 4.26% | 3.72% | 0.60% | 1.44% | 1.46% |
| ▁▃▂▄▆█▆▇ | Tang. Book Value ($M) | $14 | $15 | $15 | $15 | $15 | $16 | $15 | $16 |
| █▄▁▄▃▂▁▃ | Gross Loans ($M) | $61 | $56 | $54 | $56 | $56 | $54 | $53 | $56 |
| ▁█▅▃▂█▆▃ | Total Deposits ($M) | $78 | $91 | $85 | $82 | $80 | $90 | $87 | $82 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 2% |
| Agricultural | 3% |
| Consumer | 14% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 1% |