Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.51% | -0.16 | 0.67% |
| Return on Equity (%) | ▼ | 11.02% | -12.08 | 23.10% |
| Net Interest Margin (%) | ▲ | 3.38% | +0.36 | 3.02% |
| Efficiency Ratio (%) | ▼ | 85.15% | +4.07 | 81.07% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.08 | $0 |
| Cost of Funds (%) | ▲ | 0.98% | -0.15 | 1.13% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $115 | +1.47 | $114 |
| Gross Loans ($M) | ▲ | $55 | +3.78 | $51 |
| Loan Growth YoY (%) | ▲ | 50.48% | +3.51 | 46.97% |
| Total Deposits ($M) | ▲ | $108 | +0.03 | $108 |
| Shareholders Equity ($M) | ▲ | $6 | +2.23 | $3 |
| Tang. Book Value ($M) | ▲ | $6 | +2.23 | $3 |
| TBV excl. AOCI ($M)** | ▲ | $8 | +2.50 | $5 |
| Loan / Deposit Ratio (%) | ▲ | 50.48% | +3.51 | 46.97% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.54% | -0.06 | 0.61% |
| Allowance / Loans (%) | — | 1.02% | -0.10% | 1.12% |
| Net Charge-Off Ratio (%) | ▲ | 1.14% | -0.21 | 1.35% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 18.33% | -0.88 | 19.22% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▃▁▃▄▅▆█ | Net Interest Margin (%) | 2.96% | 3.02% | 2.89% | 3.02% | 3.11% | 3.15% | 3.24% | 3.38% |
| ▁▄█▅▄▄▂▃ | Return on Assets (%) | 0.23% | 0.60% | 1.08% | 0.67% | 0.55% | 0.62% | 0.42% | 0.51% |
| █▄▁▄▆▅▇▆ | Efficiency Ratio (%) | 90.0% | 81.0% | 73.2% | 81.1% | 83.9% | 82.3% | 86.4% | 85.1% |
| █▅▇▇▇▃▂▁ | Cost of Funds (%) | 1.18% | 1.10% | 1.14% | 1.13% | 1.14% | 1.04% | 1.01% | 0.98% |
| ▁██▅▃▅▄▂ | NPA / Assets (%) | 0.52% | 0.66% | 0.66% | 0.61% | 0.57% | 0.60% | 0.57% | 0.54% |
| ▁██▇▄▇▄▂ | Net Charge-Off Ratio (%) | 1.07% | 1.44% | 1.44% | 1.35% | 1.25% | 1.36% | 1.25% | 1.14% |
| ▄▁▂▂▅█▆█ | Tang. Book Value ($M) | $4 | $3 | $4 | $3 | $5 | $6 | $5 | $6 |
| ▆▄▁▁▂▃▄█ | Gross Loans ($M) | $53 | $53 | $51 | $51 | $52 | $52 | $53 | $55 |
| ▁▆▄▅▅█▇▆ | Total Deposits ($M) | $103 | $109 | $106 | $108 | $108 | $110 | $109 | $108 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 51% |
| C&I / Commercial | 36% |
| Agricultural | 1% |
| Consumer | 9% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 10% |