Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.93% | +0.47 | 0.47% |
| Return on Equity (%) | ▲ | 7.20% | +3.58 | 3.62% |
| Net Interest Margin (%) | ▲ | 3.37% | +0.27 | 3.10% |
| Efficiency Ratio (%) | ▲ | 74.47% | -13.00 | 87.47% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.17 | $0 |
| Cost of Funds (%) | ▼ | 1.44% | +0.06 | 1.38% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $97 | +8.31 | $88 |
| Gross Loans ($M) | ▲ | $36 | +0.39 | $35 |
| Loan Growth YoY (%) | ▼ | 42.56% | -4.78 | 47.34% |
| Total Deposits ($M) | ▲ | $81 | +8.81 | $72 |
| Shareholders Equity ($M) | ▲ | $13 | +0.67 | $12 |
| Tang. Book Value ($M) | ▲ | $13 | +0.67 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +0.52 | $14 |
| Loan / Deposit Ratio (%) | ▼ | 42.56% | -4.78 | 47.34% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.81% | -0.89 | 2.69% |
| Allowance / Loans (%) | — | 3.88% | 0.17% | 3.71% |
| Net Charge-Off Ratio (%) | ▲ | 0.12% | -0.01 | 0.14% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▅▇█ | Net Interest Margin (%) | 2.69% | 2.70% | 3.00% | 3.10% | 3.13% | 3.11% | 3.22% | 3.37% |
| ▁▁▆▆▆▃██ | Return on Assets (%) | -0.70% | -0.50% | 0.48% | 0.47% | 0.47% | -0.16% | 0.79% | 0.93% |
| ▄▅▄▃▃█▂▁ | Efficiency Ratio (%) | 92.2% | 93.2% | 90.5% | 87.5% | 85.2% | 111.2% | 80.9% | 74.5% |
| ██▇▅▅▃▁▆ | Cost of Funds (%) | 1.52% | 1.48% | 1.45% | 1.38% | 1.40% | 1.30% | 1.22% | 1.44% |
| █▅▅▆▆▁▁▁ | NPA / Assets (%) | 3.21% | 2.57% | 2.63% | 2.69% | 2.66% | 1.85% | 1.73% | 1.81% |
| █▁▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 8.81% | 0.20% | 0.17% | 0.14% | 0.13% | 0.13% | 0.12% | 0.12% |
| ▅▁▃▅█▇▆█ | Tang. Book Value ($M) | $12 | $11 | $12 | $12 | $13 | $13 | $12 | $13 |
| ▅▁▂██▇▅█ | Gross Loans ($M) | $33 | $31 | $32 | $35 | $36 | $35 | $33 | $36 |
| ▃▄▃▁▁▄█▆ | Total Deposits ($M) | $76 | $78 | $76 | $72 | $73 | $78 | $85 | $81 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 11% |
| Agricultural | 7% |
| Consumer | 3% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 42% |
| Brokered / Other | 31% |