Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.03% | -0.17 | 1.19% |
| Return on Equity (%) | ▼ | 8.21% | -1.11 | 9.32% |
| Net Interest Margin (%) | ▼ | 5.29% | -0.29 | 5.59% |
| Efficiency Ratio (%) | ▼ | 71.35% | +2.86 | 68.49% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.03 | $0 |
| Cost of Funds (%) | ▼ | 1.56% | +0.05 | 1.51% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $105 | +10.49 | $95 |
| Gross Loans ($M) | ▲ | $79 | +5.38 | $74 |
| Loan Growth YoY (%) | ▼ | 85.89% | -3.94 | 89.83% |
| Total Deposits ($M) | ▲ | $91 | +9.92 | $81 |
| Shareholders Equity ($M) | ▲ | $13 | +0.63 | $12 |
| Tang. Book Value ($M) | ▲ | $10 | +0.63 | $9 |
| Loan / Deposit Ratio (%) | ▼ | 85.89% | -3.94 | 89.83% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.68% | -0.61 | 1.30% |
| Allowance / Loans (%) | — | 0.84% | 0.01% | 0.83% |
| Net Charge-Off Ratio (%) | ▲ | 0.91% | -0.75 | 1.66% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▃▄▅▅▁▂ | Net Interest Margin (%) | 6.02% | 6.03% | 5.46% | 5.59% | 5.69% | 5.69% | 5.18% | 5.29% |
| ▁▃▆▇██▄▄ | Return on Assets (%) | 0.86% | 0.99% | 1.15% | 1.19% | 1.23% | 1.25% | 1.03% | 1.03% |
| █▆▃▃▁▁▅▅ | Efficiency Ratio (%) | 75.5% | 72.9% | 68.7% | 68.5% | 65.6% | 65.8% | 70.7% | 71.4% |
| ▄▁█▇▄▆▇█ | Cost of Funds (%) | 1.39% | 1.27% | 1.58% | 1.51% | 1.42% | 1.47% | 1.53% | 1.56% |
| ▁▁▁██▆█▃ | NPA / Assets (%) | 0.43% | 0.40% | 0.31% | 1.30% | 1.37% | 1.03% | 1.42% | 0.68% |
| ▁▁▁█▆▃▇▄ | Net Charge-Off Ratio (%) | 0.55% | 0.53% | 0.42% | 1.66% | 1.27% | 0.86% | 1.47% | 0.91% |
| ▁▂▄▅▆▇▇█ | Tang. Book Value ($M) | $8 | $9 | $9 | $9 | $9 | $10 | $10 | $10 |
| ▁▁▃▅▆▇██ | Gross Loans ($M) | $68 | $68 | $72 | $74 | $76 | $78 | $78 | $79 |
| ▁▂▅▄▃▄██ | Total Deposits ($M) | $75 | $77 | $83 | $81 | $80 | $82 | $90 | $91 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 87% |
| C&I / Commercial | 5% |
| Agricultural | 6% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 31% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 4% |