Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.01% | +0.03 | 0.98% |
| Return on Equity (%) | ▼ | 7.45% | -0.04 | 7.49% |
| Net Interest Margin (%) | ▼ | 3.23% | -0.19 | 3.43% |
| Efficiency Ratio (%) | ▼ | 67.43% | +4.35 | 63.08% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.12 | $1 |
| Cost of Funds (%) | ▼ | 0.33% | +0.08 | 0.24% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $188 | -2.13 | $190 |
| Gross Loans ($M) | ▲ | $12 | +0.73 | $11 |
| Loan Growth YoY (%) | ▲ | 6.52% | +0.58 | 5.94% |
| Total Deposits ($M) | ▼ | $161 | -3.98 | $165 |
| Shareholders Equity ($M) | ▲ | $27 | +1.98 | $25 |
| Tang. Book Value ($M) | ▲ | $27 | +1.98 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $34 | +2.15 | $32 |
| Loan / Deposit Ratio (%) | ▲ | 6.52% | +0.58 | 5.94% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.00 | 0.01% |
| Allowance / Loans (%) | — | 10.46% | -0.36% | 10.83% |
| Net Charge-Off Ratio (%) | ▼ | 0.03% | +0.01 | 0.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 57.45% | +1.96 | 55.49% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▆▄▅▃▁▁ | Net Interest Margin (%) | 3.67% | 3.64% | 3.51% | 3.43% | 3.46% | 3.34% | 3.22% | 3.23% |
| █▇▃▂▃▃▁▃ | Return on Assets (%) | 1.26% | 1.19% | 1.00% | 0.98% | 1.00% | 1.01% | 0.90% | 1.01% |
| ▁▁▅▄▅▅▆█ | Efficiency Ratio (%) | 58.9% | 59.5% | 64.2% | 63.1% | 64.1% | 63.7% | 65.0% | 67.4% |
| ▁▁▁▃▁▆██ | Cost of Funds (%) | 0.22% | 0.21% | 0.21% | 0.24% | 0.20% | 0.29% | 0.34% | 0.33% |
| ███▁▂▁▁▁ | NPA / Assets (%) | 0.04% | 0.04% | 0.04% | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% |
| ███▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.59% | 0.61% | 0.65% | 0.02% | 0.07% | 0.03% | 0.03% | 0.03% |
| ▁▂▃▄▅▆▇█ | Tang. Book Value ($M) | $23 | $24 | $24 | $25 | $25 | $26 | $26 | $27 |
| ▇▃▁▂▃▅██ | Gross Loans ($M) | $12 | $11 | $11 | $11 | $11 | $11 | $12 | $12 |
| ▄▄▂▄▁█▃▃ | Total Deposits ($M) | $163 | $163 | $157 | $165 | $149 | $182 | $159 | $161 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 58% |
| C&I / Commercial | 29% |
| Agricultural | 1% |
| Consumer | 12% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 31% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 4% |