Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.52% | +0.15 | 1.37% |
| Return on Equity (%) | ▼ | 12.97% | -0.95 | 13.92% |
| Net Interest Margin (%) | ▼ | 3.54% | -0.03 | 3.58% |
| Efficiency Ratio (%) | ▲ | 56.71% | -3.19 | 59.90% |
| Pre-Provision Profit ($M) | — | $1 | 0.00 | $1 |
| Cost of Funds (%) | ▲ | 1.30% | -0.01 | 1.30% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $142 | +1.62 | $140 |
| Gross Loans ($M) | ▼ | $59 | -3.99 | $63 |
| Loan Growth YoY (%) | ▼ | 47.35% | -2.59 | 49.94% |
| Total Deposits ($M) | ▼ | $124 | -1.54 | $126 |
| Shareholders Equity ($M) | ▲ | $17 | +3.11 | $14 |
| Tang. Book Value ($M) | ▲ | $17 | +3.11 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +3.45 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 47.35% | -2.59 | 49.94% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.78% | +0.72 | 0.06% |
| Allowance / Loans (%) | — | 0.59% | 0.02% | 0.57% |
| Net Charge-Off Ratio (%) | ▼ | 1.87% | +1.73 | 0.14% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▆▁▅▆█▃▄ | Net Interest Margin (%) | 3.55% | 3.60% | 3.47% | 3.58% | 3.59% | 3.65% | 3.53% | 3.54% |
| ▄▆▁▄▅█▇▇ | Return on Assets (%) | 1.40% | 1.45% | 1.23% | 1.37% | 1.43% | 1.57% | 1.50% | 1.52% |
| ▃▂█▄▃▁▂▁ | Efficiency Ratio (%) | 59.7% | 58.4% | 65.0% | 59.9% | 59.2% | 56.9% | 58.1% | 56.7% |
| ▅█▇▄▁▅▁▃ | Cost of Funds (%) | 1.32% | 1.36% | 1.34% | 1.30% | 1.26% | 1.33% | 1.27% | 1.30% |
| ▃▂▂▁▁▂▁█ | NPA / Assets (%) | 0.23% | 0.21% | 0.12% | 0.06% | 0.02% | 0.13% | 0.04% | 0.78% |
| ▃▂▂▁▁▂▁█ | Net Charge-Off Ratio (%) | 0.51% | 0.29% | 0.28% | 0.14% | 0.04% | 0.31% | 0.11% | 1.87% |
| ▃▁▃▃▆███ | Tang. Book Value ($M) | $14 | $13 | $14 | $14 | $16 | $17 | $17 | $17 |
| ▆▄▅█▆▅▁▂ | Gross Loans ($M) | $61 | $60 | $61 | $63 | $61 | $61 | $58 | $59 |
| ▁▁▂▄█▆▇▃ | Total Deposits ($M) | $121 | $120 | $122 | $126 | $132 | $129 | $129 | $124 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 54% |
| C&I / Commercial | 26% |
| Agricultural | 7% |
| Consumer | 13% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 52% |
| Brokered / Other | 20% |