Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.05% | +0.03 | 1.02% |
| Return on Equity (%) | ▼ | 11.29% | -0.35 | 11.64% |
| Net Interest Margin (%) | ▲ | 4.57% | +0.25 | 4.32% |
| Efficiency Ratio (%) | ▼ | 69.91% | +4.36 | 65.55% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.01 | $1 |
| Cost of Funds (%) | ▲ | 1.31% | -0.12 | 1.43% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $219 | +9.00 | $210 |
| Gross Loans ($M) | ▲ | $178 | +7.65 | $170 |
| Loan Growth YoY (%) | ▼ | 89.09% | -0.05 | 89.14% |
| Total Deposits ($M) | ▲ | $197 | +8.64 | $189 |
| Shareholders Equity ($M) | ▲ | $21 | +2.19 | $19 |
| Tang. Book Value ($M) | ▲ | $21 | +2.19 | $19 |
| Loan / Deposit Ratio (%) | ▼ | 89.09% | -0.05 | 89.14% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.45% | +0.13 | 1.32% |
| Allowance / Loans (%) | — | 0.94% | -0.01% | 0.95% |
| Net Charge-Off Ratio (%) | ▼ | 1.78% | +0.27 | 1.51% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▅▅▆▇█ | Net Interest Margin (%) | 4.02% | 4.11% | 4.25% | 4.32% | 4.36% | 4.41% | 4.46% | 4.57% |
| ▆█▁▄▆▇▁▅ | Return on Assets (%) | 1.11% | 1.17% | 0.93% | 1.02% | 1.08% | 1.12% | 0.93% | 1.05% |
| ▂▁▄▃▂▃█▆ | Efficiency Ratio (%) | 64.1% | 62.7% | 67.2% | 65.5% | 64.9% | 65.4% | 72.5% | 69.9% |
| █▇▅▅▅▃▁▂ | Cost of Funds (%) | 1.60% | 1.53% | 1.42% | 1.43% | 1.42% | 1.32% | 1.22% | 1.31% |
| ▂▁▃▆███▇ | NPA / Assets (%) | 0.67% | 0.50% | 0.89% | 1.32% | 1.63% | 1.72% | 1.75% | 1.45% |
| ▂▁▃▅███▆ | Net Charge-Off Ratio (%) | 0.87% | 0.63% | 1.11% | 1.51% | 2.03% | 2.12% | 2.21% | 1.78% |
| ▁▁▂▃▆▆██ | Tang. Book Value ($M) | $18 | $18 | $18 | $19 | $20 | $20 | $21 | $21 |
| ▁▃▅▅▆███ | Gross Loans ($M) | $158 | $163 | $169 | $170 | $171 | $178 | $179 | $178 |
| ▂▁▃▄▄▆█▇ | Total Deposits ($M) | $185 | $182 | $187 | $189 | $190 | $194 | $200 | $197 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 95% |
| C&I / Commercial | 2% |
| Agricultural | 1% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 10% |