Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | -2.34% | -3.02 | 0.68% |
| Return on Equity (%) | ▼ | -20.88% | -26.50 | 5.62% |
| Net Interest Margin (%) | ▼ | 3.97% | -0.57 | 4.55% |
| Efficiency Ratio (%) | ▼ | 108.20% | +41.15 | 67.05% |
| Pre-Provision Profit ($M) | ▼ | $-0 | -0.88 | $0 |
| Cost of Funds (%) | ▼ | 2.72% | +0.09 | 2.63% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $118 | +5.05 | $113 |
| Gross Loans ($M) | ▼ | $91 | -3.21 | $94 |
| Loan Growth YoY (%) | ▼ | 84.28% | -9.12 | 93.39% |
| Total Deposits ($M) | ▲ | $105 | +5.96 | $99 |
| Shareholders Equity ($M) | ▼ | $13 | -0.85 | $14 |
| Tang. Book Value ($M) | ▼ | $12 | -0.70 | $13 |
| Loan / Deposit Ratio (%) | ▼ | 84.28% | -9.12 | 93.39% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 3.54% | +1.94 | 1.60% |
| Allowance / Loans (%) | — | 2.88% | 0.91% | 1.97% |
| Net Charge-Off Ratio (%) | ▼ | 4.61% | +2.68 | 1.93% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.94% | -0.92 | 13.86% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▄▆▆▅▁▁ | Net Interest Margin (%) | 4.77% | 4.61% | 4.37% | 4.55% | 4.52% | 4.46% | 4.04% | 3.97% |
| ▇▇██▇█▆▁ | Return on Assets (%) | 0.14% | 0.17% | 0.59% | 0.68% | 0.26% | 0.31% | -0.34% | -2.34% |
| ▁▁▁▁▁▁▃█ | Efficiency Ratio (%) | 71.6% | 71.4% | 69.2% | 67.1% | 68.0% | 69.5% | 79.6% | 108.2% |
| ▂█▂▄▅▁▁▆ | Cost of Funds (%) | 2.55% | 2.84% | 2.57% | 2.63% | 2.67% | 2.52% | 2.48% | 2.72% |
| ▁▁▁▃▂▃██ | NPA / Assets (%) | 0.81% | 0.95% | 0.85% | 1.60% | 1.43% | 1.62% | 3.46% | 3.54% |
| ▁▁▁▃▂▃██ | Net Charge-Off Ratio (%) | 1.00% | 1.20% | 1.04% | 1.93% | 1.69% | 1.98% | 4.17% | 4.61% |
| ▂▃▅█▇██▁ | Tang. Book Value ($M) | $12 | $12 | $12 | $13 | $12 | $13 | $13 | $12 |
| ▁▂▄▅█▇▇▄ | Gross Loans ($M) | $82 | $86 | $92 | $94 | $102 | $99 | $97 | $91 |
| ▁▃▅▆████ | Total Deposits ($M) | $84 | $92 | $96 | $99 | $104 | $105 | $103 | $105 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 73% |
| C&I / Commercial | 20% |
| Agricultural | 5% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 84% |
| Brokered / Other | 4% |