Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.78% | +0.04 | 0.73% |
| Return on Equity (%) | ▲ | 6.58% | +0.01 | 6.57% |
| Net Interest Margin (%) | ▲ | 4.61% | +0.15 | 4.46% |
| Efficiency Ratio (%) | ▲ | 78.74% | -1.75 | 80.49% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.02 | $0 |
| Cost of Funds (%) | ▲ | 1.24% | -0.24 | 1.48% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $108 | +4.53 | $103 |
| Gross Loans ($M) | ▲ | $80 | +4.07 | $76 |
| Loan Growth YoY (%) | ▼ | 88.44% | -1.44 | 89.88% |
| Total Deposits ($M) | ▲ | $90 | +5.89 | $84 |
| Shareholders Equity ($M) | ▲ | $13 | +0.82 | $12 |
| Tang. Book Value ($M) | ▲ | $13 | +0.82 | $12 |
| Loan / Deposit Ratio (%) | ▼ | 88.44% | -1.44 | 89.88% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.77% | +0.06 | 1.70% |
| Allowance / Loans (%) | — | 1.22% | 0.02% | 1.20% |
| Net Charge-Off Ratio (%) | ▼ | 2.36% | +0.06 | 2.30% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▇▆▇▇█ | Net Interest Margin (%) | 3.91% | 3.97% | 4.07% | 4.46% | 4.41% | 4.45% | 4.51% | 4.61% |
| ▁▃▄█▇▇▇█ | Return on Assets (%) | 0.29% | 0.41% | 0.48% | 0.73% | 0.70% | 0.68% | 0.70% | 0.78% |
| █▇▆▂▂▂▁▁ | Efficiency Ratio (%) | 90.4% | 88.3% | 86.9% | 80.5% | 80.9% | 81.5% | 80.2% | 78.7% |
| █▇▄▆▆▄▁▁ | Cost of Funds (%) | 1.60% | 1.51% | 1.41% | 1.48% | 1.50% | 1.38% | 1.27% | 1.24% |
| █▅▆▁▃▂▅▂ | NPA / Assets (%) | 2.16% | 1.97% | 2.00% | 1.70% | 1.84% | 1.78% | 1.98% | 1.77% |
| █▆▆▁▂▁▅▁ | Net Charge-Off Ratio (%) | 2.94% | 2.76% | 2.72% | 2.30% | 2.45% | 2.37% | 2.62% | 2.36% |
| ▁▁▁▃▆▇▇█ | Tang. Book Value ($M) | $11 | $11 | $12 | $12 | $12 | $12 | $13 | $13 |
| ▁▂▃▄▆▇██ | Gross Loans ($M) | $73 | $74 | $75 | $76 | $78 | $79 | $80 | $80 |
| ▁█▄▄▅▆▇█ | Total Deposits ($M) | $80 | $90 | $84 | $84 | $85 | $87 | $88 | $90 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 5% |
| Agricultural | 1% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 8% |