Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.91% | +0.20 | 0.71% |
| Return on Equity (%) | ▲ | 18.02% | +0.68 | 17.34% |
| Net Interest Margin (%) | ▲ | 3.05% | +0.03 | 3.02% |
| Efficiency Ratio (%) | ▲ | 72.18% | -6.74 | 78.92% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.01 | $0 |
| Cost of Funds (%) | ▲ | 1.49% | -0.03 | 1.51% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $116 | +3.00 | $113 |
| Gross Loans ($M) | ▲ | $51 | +0.81 | $50 |
| Loan Growth YoY (%) | ▼ | 46.35% | -0.20 | 46.54% |
| Total Deposits ($M) | ▲ | $109 | +2.35 | $107 |
| Shareholders Equity ($M) | ▲ | $6 | +0.67 | $6 |
| Tang. Book Value ($M) | ▲ | $6 | +0.67 | $6 |
| TBV excl. AOCI ($M)** | ▲ | $9 | +0.80 | $8 |
| Loan / Deposit Ratio (%) | ▼ | 46.35% | -0.20 | 46.54% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.61% | +0.26 | 0.35% |
| Allowance / Loans (%) | — | 1.20% | -0.16% | 1.36% |
| Net Charge-Off Ratio (%) | ▼ | 1.29% | +0.51 | 0.78% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 17.19% | -0.90 | 18.09% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▃▆▇████ | Net Interest Margin (%) | 2.84% | 2.92% | 2.99% | 3.02% | 3.04% | 3.05% | 3.05% | 3.05% |
| ▆█▁▅▆▄▇█ | Return on Assets (%) | 0.79% | 0.95% | 0.47% | 0.71% | 0.80% | 0.71% | 0.85% | 0.91% |
| ▁▁█▅▄▅▃▂ | Efficiency Ratio (%) | 68.3% | 68.0% | 86.8% | 78.9% | 76.3% | 78.9% | 74.3% | 72.2% |
| █▅▃▃▇▁▁▂ | Cost of Funds (%) | 1.62% | 1.56% | 1.52% | 1.51% | 1.59% | 1.47% | 1.46% | 1.49% |
| ▃▃▃▁▄▄▃█ | NPA / Assets (%) | 0.44% | 0.43% | 0.43% | 0.35% | 0.46% | 0.45% | 0.44% | 0.61% |
| ▄▃▃▁▃▄▄█ | Net Charge-Off Ratio (%) | 0.98% | 0.93% | 0.95% | 0.78% | 0.96% | 0.99% | 1.01% | 1.29% |
| ▂▁▅▇█▆▇█ | Tang. Book Value ($M) | $4 | $3 | $5 | $6 | $6 | $5 | $6 | $6 |
| ▂▄▁▄██▂▆ | Gross Loans ($M) | $49 | $50 | $49 | $50 | $52 | $52 | $49 | $51 |
| ▄▅▁▅▁█▆█ | Total Deposits ($M) | $106 | $106 | $103 | $107 | $103 | $109 | $107 | $109 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 12% |
| Agricultural | 7% |
| Consumer | 13% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 50% |
| Brokered / Other | 19% |