Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.57% | -0.41 | 1.98% |
| Return on Equity (%) | ▼ | 15.34% | -6.63 | 21.97% |
| Net Interest Margin (%) | ▲ | 4.28% | +0.10 | 4.18% |
| Efficiency Ratio (%) | ▲ | 54.95% | -5.18 | 60.13% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.26 | $1 |
| Cost of Funds (%) | ▲ | 1.51% | -0.14 | 1.65% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $244 | -1.81 | $246 |
| Gross Loans ($M) | ▼ | $166 | -9.01 | $175 |
| Loan Growth YoY (%) | ▼ | 75.64% | -2.37 | 78.01% |
| Total Deposits ($M) | ▼ | $217 | -4.94 | $222 |
| Shareholders Equity ($M) | ▲ | $25 | +3.10 | $22 |
| Tang. Book Value ($M) | ▲ | $25 | +3.10 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +3.02 | $25 |
| Loan / Deposit Ratio (%) | ▼ | 75.64% | -2.37 | 78.01% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.94% | -0.31 | 1.25% |
| Allowance / Loans (%) | — | 0.90% | 0.04% | 0.86% |
| Net Charge-Off Ratio (%) | ▲ | 0.97% | -0.78 | 1.75% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▇█▇█ | Net Interest Margin (%) | 4.09% | 4.11% | 4.12% | 4.18% | 4.25% | 4.27% | 4.25% | 4.28% |
| ▂▂▇▄█▆▃▁ | Return on Assets (%) | 1.73% | 1.75% | 2.32% | 1.98% | 2.56% | 2.26% | 1.92% | 1.57% |
| ▇▆▅█▁▂▃▃ | Efficiency Ratio (%) | 58.6% | 57.9% | 57.3% | 60.1% | 52.5% | 54.1% | 55.1% | 55.0% |
| ▆█▃▅██▂▁ | Cost of Funds (%) | 1.67% | 1.74% | 1.58% | 1.65% | 1.76% | 1.75% | 1.56% | 1.51% |
| ▁▃▇███▆▆ | NPA / Assets (%) | 0.21% | 0.57% | 1.02% | 1.25% | 1.22% | 1.19% | 0.94% | 0.94% |
| ▁▃▇██▆▄▄ | Net Charge-Off Ratio (%) | 0.29% | 0.80% | 1.46% | 1.75% | 1.75% | 1.31% | 0.99% | 0.97% |
| ▄▁▄▄▇▇██ | Tang. Book Value ($M) | $22 | $20 | $22 | $22 | $25 | $25 | $25 | $25 |
| ▁▂▄███▄▂ | Gross Loans ($M) | $163 | $165 | $168 | $175 | $174 | $175 | $168 | $166 |
| ▁▂▆██▅█▆ | Total Deposits ($M) | $206 | $209 | $218 | $222 | $223 | $217 | $222 | $217 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 15% |
| Agricultural | 2% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 9% |