Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.07% | +0.51 | 0.56% |
| Return on Equity (%) | ▲ | 12.98% | +5.28 | 7.70% |
| Net Interest Margin (%) | ▲ | 2.91% | +0.52 | 2.39% |
| Efficiency Ratio (%) | ▲ | 64.12% | -12.66 | 76.78% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.02 | $0 |
| Cost of Funds (%) | ▲ | 1.77% | -0.35 | 2.12% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $119 | -3.76 | $123 |
| Gross Loans ($M) | ▲ | $54 | +1.52 | $53 |
| Loan Growth YoY (%) | ▲ | 49.40% | +3.22 | 46.18% |
| Total Deposits ($M) | ▼ | $109 | -4.21 | $113 |
| Shareholders Equity ($M) | ▲ | $10 | +0.49 | $9 |
| Tang. Book Value ($M) | ▲ | $9 | +0.49 | $9 |
| TBV excl. AOCI ($M)** | ▲ | $11 | +0.06 | $11 |
| Loan / Deposit Ratio (%) | ▲ | 49.40% | +3.22 | 46.18% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.32% | +0.25 | 1.07% |
| Allowance / Loans (%) | — | 1.07% | -0.11% | 1.19% |
| Net Charge-Off Ratio (%) | ▼ | 2.88% | +0.39 | 2.49% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 14.51% | -0.31 | 14.81% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆██ | Net Interest Margin (%) | 1.91% | 1.99% | 2.26% | 2.39% | 2.50% | 2.61% | 2.81% | 2.91% |
| ▁▁▁▄▅▅▇█ | Return on Assets (%) | 0.12% | 0.17% | 0.17% | 0.56% | 0.63% | 0.69% | 0.90% | 1.07% |
| ███▄▂▂▁▁ | Efficiency Ratio (%) | 92.9% | 91.3% | 94.7% | 76.8% | 70.8% | 70.8% | 65.1% | 64.1% |
| ▇█▄▇▆▅▁▁ | Cost of Funds (%) | 2.14% | 2.23% | 1.97% | 2.12% | 2.09% | 2.01% | 1.73% | 1.77% |
| ▁▆▁▅▅▁▃█ | NPA / Assets (%) | 0.80% | 1.15% | 0.81% | 1.07% | 1.05% | 0.75% | 0.89% | 1.32% |
| ▃▆▄▆▄▁▃█ | Net Charge-Off Ratio (%) | 1.83% | 2.42% | 2.06% | 2.49% | 2.16% | 1.46% | 1.93% | 2.88% |
| ▂▁▃▅▇█▇█ | Tang. Book Value ($M) | $8 | $8 | $8 | $9 | $9 | $9 | $9 | $9 |
| ▁▄▂▄▇█▆▅ | Gross Loans ($M) | $50 | $53 | $51 | $53 | $57 | $58 | $56 | $54 |
| ▁▁█▅▂▁▄▃ | Total Deposits ($M) | $104 | $103 | $121 | $113 | $107 | $104 | $111 | $109 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 42% |
| C&I / Commercial | 23% |
| Agricultural | 20% |
| Consumer | 15% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 8% |