Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.29% | -0.12 | 1.41% |
| Return on Equity (%) | ▼ | 10.57% | -0.50 | 11.07% |
| Net Interest Margin (%) | ▲ | 4.05% | +0.03 | 4.02% |
| Efficiency Ratio (%) | ▲ | 63.11% | -2.64 | 65.75% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.08 | $0 |
| Cost of Funds (%) | ▲ | 1.29% | -0.02 | 1.30% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $147 | +13.18 | $134 |
| Gross Loans ($M) | ▲ | $87 | +3.44 | $84 |
| Loan Growth YoY (%) | ▼ | 66.93% | -4.34 | 71.27% |
| Total Deposits ($M) | ▲ | $129 | +12.69 | $116 |
| Shareholders Equity ($M) | ▲ | $18 | +0.51 | $17 |
| Tang. Book Value ($M) | ▲ | $18 | +0.51 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 66.93% | -4.34 | 71.27% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.15% | -0.19 | 0.34% |
| Allowance / Loans (%) | — | 1.09% | -0.06% | 1.15% |
| Net Charge-Off Ratio (%) | ▲ | 0.26% | -0.29 | 0.55% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▆▇█▃▇ | Net Interest Margin (%) | 3.92% | 3.96% | 4.00% | 4.02% | 4.04% | 4.07% | 3.98% | 4.05% |
| ▆█▄▅▃▅█▁ | Return on Assets (%) | 1.42% | 1.46% | 1.37% | 1.41% | 1.36% | 1.39% | 1.49% | 1.29% |
| ▁▁█▇▆▁▁▁ | Efficiency Ratio (%) | 63.1% | 62.9% | 66.4% | 65.7% | 65.2% | 63.3% | 63.0% | 63.1% |
| ██▄▄▄▃▁▄ | Cost of Funds (%) | 1.45% | 1.42% | 1.30% | 1.30% | 1.30% | 1.25% | 1.18% | 1.29% |
| ▁▂▁███▅▁ | NPA / Assets (%) | 0.18% | 0.19% | 0.18% | 0.34% | 0.37% | 0.36% | 0.27% | 0.15% |
| ▁▁▁▇██▅▁ | Net Charge-Off Ratio (%) | 0.29% | 0.29% | 0.28% | 0.55% | 0.60% | 0.57% | 0.47% | 0.26% |
| ▂▁▄▄▇███ | Tang. Book Value ($M) | $17 | $17 | $17 | $17 | $18 | $18 | $18 | $18 |
| █▅▅▁▁█▇█ | Gross Loans ($M) | $88 | $86 | $86 | $84 | $84 | $88 | $87 | $87 |
| ▄▁▁▁▂▄█▇ | Total Deposits ($M) | $122 | $117 | $116 | $116 | $119 | $122 | $131 | $129 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 8% |
| Agricultural | 1% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 34% |
| Interest-Bearing (core) | 45% |
| Brokered / Other | 21% |