Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.94% | -0.06 | 1.00% |
| Return on Equity (%) | ▼ | 16.62% | -0.65 | 17.27% |
| Net Interest Margin (%) | ▼ | 3.97% | -0.09 | 4.06% |
| Efficiency Ratio (%) | ▼ | 75.50% | +1.08 | 74.41% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.04 | $0 |
| Cost of Funds (%) | ▲ | 0.97% | -0.14 | 1.11% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $114 | +2.40 | $112 |
| Gross Loans ($M) | ▲ | $57 | +6.82 | $50 |
| Loan Growth YoY (%) | ▲ | 52.51% | +4.92 | 47.58% |
| Total Deposits ($M) | ▲ | $107 | +3.31 | $103 |
| Shareholders Equity ($M) | ▼ | $6 | -0.83 | $7 |
| Tang. Book Value ($M) | ▼ | $6 | -0.83 | $7 |
| TBV excl. AOCI ($M)** | ▼ | $8 | -1.02 | $9 |
| Loan / Deposit Ratio (%) | ▲ | 52.51% | +4.92 | 47.58% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.12% | +0.60 | 0.52% |
| Allowance / Loans (%) | — | 1.91% | -0.28% | 2.19% |
| Net Charge-Off Ratio (%) | ▼ | 2.24% | +2.24 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂█▇█▇▅▅ | Net Interest Margin (%) | 3.83% | 3.87% | 4.07% | 4.06% | 4.10% | 4.06% | 3.98% | 3.97% |
| ▆▅█▅█▅▁▃ | Return on Assets (%) | 1.01% | 0.99% | 1.10% | 1.00% | 1.08% | 1.00% | 0.85% | 0.94% |
| ▁▂▁▄▂▄█▆ | Efficiency Ratio (%) | 71.5% | 72.8% | 72.0% | 74.4% | 72.8% | 74.6% | 77.9% | 75.5% |
| ▁▅▇███▇▄ | Cost of Funds (%) | 0.85% | 1.00% | 1.06% | 1.11% | 1.11% | 1.10% | 1.06% | 0.97% |
| ▂▁▁▁▄█▅▅ | NPA / Assets (%) | 0.67% | 0.53% | 0.52% | 0.52% | 1.08% | 1.68% | 1.16% | 1.12% |
| ▁▁▁▁▄███ | Net Charge-Off Ratio (%) | 0.13% | 0.01% | 0.00% | 0.00% | 1.20% | 2.52% | 2.34% | 2.24% |
| █▁▆█▃▆▃▄ | Tang. Book Value ($M) | $7 | $6 | $7 | $7 | $6 | $7 | $6 | $6 |
| ▁▁▄▄▅▆▇█ | Gross Loans ($M) | $45 | $47 | $50 | $50 | $52 | $54 | $55 | $57 |
| ▁▂▁▃▅▅▁█ | Total Deposits ($M) | $102 | $103 | $103 | $103 | $105 | $105 | $102 | $107 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 21% |
| Agricultural | 1% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 34% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 5% |