Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.61% | +0.61 | 1.00% |
| Return on Equity (%) | ▲ | 12.47% | +4.34 | 8.13% |
| Net Interest Margin (%) | ▲ | 4.60% | +0.37 | 4.23% |
| Efficiency Ratio (%) | ▲ | 56.19% | -3.07 | 59.26% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.00 | $1 |
| Cost of Funds (%) | ▼ | 0.89% | +0.04 | 0.85% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $202 | +4.87 | $197 |
| Gross Loans ($M) | ▼ | $94 | -4.25 | $98 |
| Loan Growth YoY (%) | ▼ | 54.34% | -3.43 | 57.77% |
| Total Deposits ($M) | ▲ | $171 | +3.65 | $167 |
| Shareholders Equity ($M) | ▲ | $26 | +0.47 | $25 |
| Tang. Book Value ($M) | ▲ | $26 | +0.47 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +0.46 | $29 |
| Loan / Deposit Ratio (%) | ▼ | 54.34% | -3.43 | 57.77% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.86% | -1.05 | 1.91% |
| Allowance / Loans (%) | — | 1.21% | -0.45% | 1.66% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -3.37 | 3.37% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▃▁▃▄▅▇█ | Net Interest Margin (%) | 4.16% | 4.20% | 4.01% | 4.23% | 4.28% | 4.37% | 4.52% | 4.60% |
| ▄▆▁▁▂▃█▇ | Return on Assets (%) | 1.33% | 1.50% | 0.99% | 1.00% | 1.16% | 1.25% | 1.74% | 1.61% |
| ▄▁█▄▂▂▁▁ | Efficiency Ratio (%) | 59.6% | 56.6% | 64.3% | 59.3% | 57.4% | 57.3% | 55.6% | 56.2% |
| ▇█▄▁▆█▃▂ | Cost of Funds (%) | 1.03% | 1.06% | 0.95% | 0.85% | 0.99% | 1.04% | 0.90% | 0.89% |
| ████▆▁▁▁ | NPA / Assets (%) | 1.84% | 1.83% | 1.87% | 1.91% | 1.52% | 0.91% | 0.91% | 0.86% |
| ████▆▁▁▁ | Net Charge-Off Ratio (%) | 3.79% | 3.35% | 3.42% | 3.37% | 2.56% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▄██▇▆ | Tang. Book Value ($M) | $24 | $24 | $25 | $25 | $27 | $26 | $26 | $26 |
| ▆▄▃▄█▇▆▁ | Gross Loans ($M) | $101 | $99 | $97 | $98 | $104 | $103 | $101 | $94 |
| ██▄▁▃▃▄▄ | Total Deposits ($M) | $175 | $176 | $172 | $167 | $170 | $170 | $171 | $171 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 63% |
| C&I / Commercial | 26% |
| Agricultural | 2% |
| Consumer | 3% |
| Other | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 34% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 2% |