Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.28% | +0.35 | 1.93% |
| Return on Equity (%) | ▲ | 8.73% | +0.17 | 8.56% |
| Net Interest Margin (%) | ▲ | 5.07% | +0.72 | 4.35% |
| Efficiency Ratio (%) | ▲ | 41.35% | -0.98 | 42.33% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.07 | $1 |
| Cost of Funds (%) | ▲ | 1.04% | -0.30 | 1.34% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $110 | -8.01 | $118 |
| Gross Loans ($M) | ▲ | $84 | +4.83 | $79 |
| Loan Growth YoY (%) | ▲ | 103.44% | +17.29 | 86.14% |
| Total Deposits ($M) | ▼ | $80 | -10.39 | $90 |
| Shareholders Equity ($M) | ▲ | $30 | +2.53 | $27 |
| Tang. Book Value ($M) | ▲ | $30 | +2.53 | $27 |
| Loan / Deposit Ratio (%) | ▲ | 103.44% | +17.29 | 86.14% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.65% | -2.41 | 4.06% |
| Allowance / Loans (%) | — | 2.19% | -0.13% | 2.33% |
| Net Charge-Off Ratio (%) | ▲ | 2.14% | -3.88 | 6.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -31.16 | 31.16% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▂▁▂▂▃▇█ | Net Interest Margin (%) | 4.46% | 4.42% | 4.25% | 4.35% | 4.44% | 4.55% | 4.92% | 5.07% |
| ▁▁▁▂▃▄▇█ | Return on Assets (%) | 1.90% | 1.88% | 1.86% | 1.93% | 1.99% | 2.03% | 2.17% | 2.28% |
| ▇█▇▃▁▃▂▁ | Efficiency Ratio (%) | 44.2% | 45.0% | 44.5% | 42.3% | 41.7% | 42.4% | 42.1% | 41.4% |
| ▆█▆█▅▄▁▁ | Cost of Funds (%) | 1.27% | 1.38% | 1.28% | 1.34% | 1.22% | 1.18% | 1.02% | 1.04% |
| ▁▁▇█▃▂▂▂ | NPA / Assets (%) | 1.22% | 1.35% | 3.40% | 4.06% | 2.28% | 1.79% | 1.78% | 1.65% |
| ▁▁▇█▃▂▂▁ | Net Charge-Off Ratio (%) | 1.87% | 2.20% | 5.08% | 6.02% | 3.38% | 2.53% | 2.51% | 2.14% |
| ▁▁▃▄▅▆▇█ | Tang. Book Value ($M) | $26 | $26 | $27 | $27 | $28 | $29 | $29 | $30 |
| ▄▁▄▅▅▅▆█ | Gross Loans ($M) | $79 | $75 | $79 | $79 | $80 | $80 | $82 | $84 |
| ██▆▆▅▃▃▁ | Total Deposits ($M) | $95 | $95 | $91 | $90 | $89 | $84 | $85 | $80 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 51% |
| C&I / Commercial | 19% |
| Agricultural | 21% |
| Consumer | 1% |
| Other | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 14% |