Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.87% | +0.19 | 0.68% |
| Return on Equity (%) | ▲ | 7.78% | +1.20 | 6.58% |
| Net Interest Margin (%) | ▲ | 4.14% | +0.08 | 4.05% |
| Efficiency Ratio (%) | ▲ | 73.18% | -0.05 | 73.23% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.02 | $0 |
| Cost of Funds (%) | ▲ | 2.21% | -0.23 | 2.43% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $135 | -3.17 | $138 |
| Gross Loans ($M) | ▲ | $111 | +7.68 | $103 |
| Loan Growth YoY (%) | ▲ | 91.49% | +9.40 | 82.09% |
| Total Deposits ($M) | ▼ | $119 | -4.26 | $124 |
| Shareholders Equity ($M) | ▲ | $15 | +1.16 | $14 |
| Tang. Book Value ($M) | ▲ | $15 | +1.16 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 91.49% | +9.40 | 82.09% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.46% | -0.16 | 0.62% |
| Allowance / Loans (%) | — | 1.50% | -0.16% | 1.66% |
| Net Charge-Off Ratio (%) | ▲ | 0.23% | -0.10 | 0.33% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▄▁▂▅▅▂█ | Net Interest Margin (%) | 4.10% | 4.08% | 4.04% | 4.05% | 4.09% | 4.09% | 4.05% | 4.14% |
| ▅▁▃▆▇▆▄█ | Return on Assets (%) | 0.65% | 0.35% | 0.52% | 0.68% | 0.79% | 0.72% | 0.59% | 0.87% |
| ▁▂█▄▃▄█▄ | Efficiency Ratio (%) | 69.9% | 71.1% | 77.5% | 73.2% | 72.0% | 73.8% | 77.7% | 73.2% |
| ██▄▅▅▁▁▁ | Cost of Funds (%) | 2.64% | 2.65% | 2.41% | 2.43% | 2.47% | 2.21% | 2.18% | 2.21% |
| █▇▁▁▁▁▁▁ | NPA / Assets (%) | 2.13% | 1.82% | 0.52% | 0.62% | 0.61% | 0.59% | 0.44% | 0.46% |
| █▇▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 2.71% | 2.19% | 0.33% | 0.33% | 0.33% | 0.32% | 0.22% | 0.23% |
| ▂▁▁▂▄▆▇█ | Tang. Book Value ($M) | $14 | $14 | $14 | $14 | $14 | $15 | $15 | $15 |
| ▁▂▃▁▁▄▄█ | Gross Loans ($M) | $102 | $104 | $105 | $103 | $103 | $106 | $106 | $111 |
| ▄▁▇█▁▄▅▅ | Total Deposits ($M) | $118 | $115 | $122 | $124 | $114 | $119 | $120 | $119 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 13% |
| Agricultural | 13% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 12% |