Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.63% | -0.48 | 2.11% |
| Return on Equity (%) | ▼ | 8.48% | -2.52 | 11.00% |
| Net Interest Margin (%) | ▼ | 4.14% | -0.25 | 4.39% |
| Efficiency Ratio (%) | ▼ | 47.28% | +7.29 | 39.99% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.63 | $1 |
| Cost of Funds (%) | ▲ | 1.70% | -0.18 | 1.88% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $180 | +8.43 | $171 |
| Gross Loans ($M) | ▼ | $124 | -1.98 | $126 |
| Loan Growth YoY (%) | ▼ | 85.26% | -6.02 | 91.28% |
| Total Deposits ($M) | ▲ | $144 | +7.28 | $136 |
| Shareholders Equity ($M) | ▲ | $35 | +1.13 | $34 |
| Tang. Book Value ($M) | ▲ | $34 | +1.13 | $33 |
| TBV excl. AOCI ($M)** | ▲ | $36 | +0.88 | $35 |
| Loan / Deposit Ratio (%) | ▼ | 85.26% | -6.02 | 91.28% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.89% | +0.18 | 0.71% |
| Allowance / Loans (%) | — | 1.52% | 0.04% | 1.48% |
| Net Charge-Off Ratio (%) | ▼ | 1.05% | +0.09 | 0.96% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▆▅▅▅▁▁ | Net Interest Margin (%) | 4.56% | 4.53% | 4.43% | 4.39% | 4.39% | 4.36% | 4.15% | 4.14% |
| ▃▂▅█▂▁█▅ | Return on Assets (%) | 1.22% | 1.06% | 1.62% | 2.11% | 1.15% | 0.86% | 2.23% | 1.63% |
| ▆▇▄▂▇█▁▄ | Efficiency Ratio (%) | 61.7% | 66.0% | 50.3% | 40.0% | 68.0% | 75.4% | 28.7% | 47.3% |
| █▇▄▄▄▃▁▁ | Cost of Funds (%) | 2.11% | 2.05% | 1.87% | 1.88% | 1.88% | 1.81% | 1.72% | 1.70% |
| ▂▁▃▆▄▁██ | NPA / Assets (%) | 0.44% | 0.37% | 0.52% | 0.71% | 0.58% | 0.32% | 0.88% | 0.89% |
| ▄▃▅█▆▁██ | Net Charge-Off Ratio (%) | 0.62% | 0.51% | 0.72% | 0.96% | 0.81% | 0.22% | 1.03% | 1.05% |
| ▁▁▃▆▅▅▇█ | Tang. Book Value ($M) | $31 | $31 | $32 | $33 | $33 | $33 | $34 | $34 |
| ▁▄▇█▅▇█▇ | Gross Loans ($M) | $117 | $121 | $125 | $126 | $122 | $124 | $126 | $124 |
| ▁▄▆▄▄███ | Total Deposits ($M) | $132 | $136 | $139 | $136 | $137 | $142 | $144 | $144 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 61% |
| C&I / Commercial | 5% |
| Agricultural | 29% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 19% |