Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.75% | +0.29 | 0.46% |
| Return on Equity (%) | ▲ | 8.90% | +3.04 | 5.86% |
| Net Interest Margin (%) | ▲ | 5.06% | +0.67 | 4.40% |
| Efficiency Ratio (%) | ▲ | 76.21% | -7.61 | 83.82% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.10 | $0 |
| Cost of Funds (%) | ▲ | 1.47% | -0.33 | 1.80% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $127 | +4.19 | $123 |
| Gross Loans ($M) | ▲ | $76 | +1.26 | $75 |
| Loan Growth YoY (%) | ▼ | 65.08% | -0.88 | 65.96% |
| Total Deposits ($M) | ▲ | $116 | +3.19 | $113 |
| Shareholders Equity ($M) | ▲ | $10 | +0.88 | $10 |
| Tang. Book Value ($M) | ▲ | $10 | +0.88 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $12 | +1.12 | $11 |
| Loan / Deposit Ratio (%) | ▼ | 65.08% | -0.88 | 65.96% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.69% | +0.66 | 1.03% |
| Allowance / Loans (%) | — | 1.16% | 0.22% | 0.94% |
| Net Charge-Off Ratio (%) | ▼ | 2.55% | +0.87 | 1.68% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▅▇█ | Net Interest Margin (%) | 4.03% | 4.13% | 4.24% | 4.40% | 4.54% | 4.64% | 4.89% | 5.06% |
| ▅▄▁▄▆▆██ | Return on Assets (%) | 0.52% | 0.46% | 0.23% | 0.46% | 0.56% | 0.61% | 0.72% | 0.75% |
| ▅▆█▅▄▃▁▁ | Efficiency Ratio (%) | 83.5% | 85.2% | 90.0% | 83.8% | 81.7% | 80.8% | 76.2% | 76.2% |
| ██▆▇▅▃▁▃ | Cost of Funds (%) | 1.95% | 1.89% | 1.74% | 1.80% | 1.67% | 1.49% | 1.28% | 1.47% |
| ▃██▁▂▃▆▆ | NPA / Assets (%) | 1.36% | 1.92% | 1.94% | 1.03% | 1.16% | 1.32% | 1.67% | 1.69% |
| ▂▇█▁▂▁▅▆ | Net Charge-Off Ratio (%) | 1.97% | 2.72% | 3.02% | 1.68% | 1.90% | 1.78% | 2.42% | 2.55% |
| ▅▁▃▄▇▇██ | Tang. Book Value ($M) | $10 | $9 | $9 | $10 | $10 | $10 | $10 | $10 |
| ▂▅▄▆▁▆██ | Gross Loans ($M) | $72 | $74 | $73 | $75 | $72 | $75 | $76 | $76 |
| ▁▁▅▇▄▃▆█ | Total Deposits ($M) | $101 | $100 | $109 | $113 | $106 | $105 | $112 | $116 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 11% |
| Agricultural | 1% |
| Consumer | 8% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 20% |