Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.18% | +0.85 | 1.33% |
| Return on Equity (%) | ▲ | 14.89% | +5.04 | 9.85% |
| Net Interest Margin (%) | ▲ | 5.45% | +1.34 | 4.11% |
| Efficiency Ratio (%) | ▼ | 56.66% | +0.94 | 55.73% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $0 |
| Cost of Funds (%) | ▲ | 1.39% | -0.25 | 1.64% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $110 | -5.98 | $116 |
| Gross Loans ($M) | ▼ | $98 | -5.79 | $104 |
| Loan Growth YoY (%) | ▲ | 105.35% | +0.68 | 104.68% |
| Total Deposits ($M) | ▼ | $92 | -6.79 | $98 |
| Shareholders Equity ($M) | ▲ | $18 | +0.92 | $17 |
| Tang. Book Value ($M) | ▲ | $17 | +0.92 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 105.35% | +0.68 | 104.68% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 7.91% | -3.51 | 11.42% |
| Allowance / Loans (%) | — | 1.67% | 0.76% | 0.91% |
| Net Charge-Off Ratio (%) | ▲ | 8.88% | -3.88 | 12.76% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▁▁▁█▇ | Net Interest Margin (%) | 4.19% | 4.17% | 4.25% | 4.11% | 4.14% | 4.19% | 5.84% | 5.45% |
| ▅▂▅▄▄▁██ | Return on Assets (%) | 1.53% | 0.86% | 1.54% | 1.33% | 1.21% | 0.56% | 2.10% | 2.18% |
| ▁▃▁▃▄█▄▃ | Efficiency Ratio (%) | 51.9% | 55.8% | 52.3% | 55.7% | 58.8% | 66.1% | 57.5% | 56.7% |
| ▇█▆▅▄▃▁▁ | Cost of Funds (%) | 1.82% | 1.92% | 1.71% | 1.64% | 1.56% | 1.51% | 1.34% | 1.39% |
| ▃▁▁██▇▁▂ | NPA / Assets (%) | 8.20% | 6.90% | 6.80% | 11.42% | 11.31% | 10.56% | 7.03% | 7.91% |
| ▂▁▁██▇▁▂ | Net Charge-Off Ratio (%) | 8.96% | 7.91% | 8.17% | 12.76% | 12.55% | 12.11% | 8.50% | 8.88% |
| ▂▁▃▄▅▃▆█ | Tang. Book Value ($M) | $16 | $16 | $16 | $17 | $17 | $16 | $17 | $17 |
| █▇▄▄▅▅▁▁ | Gross Loans ($M) | $111 | $108 | $104 | $104 | $105 | $105 | $99 | $98 |
| ▇██▄▄▆▆▁ | Total Deposits ($M) | $105 | $107 | $108 | $98 | $99 | $103 | $102 | $92 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 37% |
| C&I / Commercial | 34% |
| Agricultural | 20% |
| Consumer | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 12% |