Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.10% | -0.32 | 1.42% |
| Return on Equity (%) | ▼ | 11.63% | -3.01 | 14.64% |
| Net Interest Margin (%) | ▲ | 3.52% | +0.07 | 3.46% |
| Efficiency Ratio (%) | ▼ | 57.47% | +1.16 | 56.31% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.00 | $1 |
| Cost of Funds (%) | ▲ | 2.61% | -0.20 | 2.81% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $175 | +3.30 | $172 |
| Gross Loans ($M) | ▼ | $146 | -0.90 | $147 |
| Loan Growth YoY (%) | ▼ | 92.21% | -2.36 | 94.56% |
| Total Deposits ($M) | ▲ | $157 | +2.86 | $155 |
| Shareholders Equity ($M) | ▼ | $17 | -0.07 | $17 |
| Tang. Book Value ($M) | ▼ | $17 | -0.07 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 92.21% | -2.36 | 94.56% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.45% | +1.05 | 0.40% |
| Allowance / Loans (%) | — | 0.87% | 0.07% | 0.80% |
| Net Charge-Off Ratio (%) | ▼ | 1.73% | +1.27 | 0.46% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.48% | -0.18 | 12.66% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▇█████ | Net Interest Margin (%) | 2.85% | 2.95% | 3.41% | 3.46% | 3.50% | 3.50% | 3.51% | 3.52% |
| ▁▂███▄▇▅ | Return on Assets (%) | 0.62% | 0.78% | 1.39% | 1.42% | 1.44% | 0.96% | 1.30% | 1.10% |
| █▇▁▁▁▁▁▁ | Efficiency Ratio (%) | 69.2% | 66.4% | 57.7% | 56.3% | 56.1% | 57.3% | 57.3% | 57.5% |
| █▆▄▂▂▃▁▁ | Cost of Funds (%) | 3.69% | 3.40% | 3.02% | 2.81% | 2.87% | 2.94% | 2.63% | 2.61% |
| ▃▁▁▃▆▁▂█ | NPA / Assets (%) | 0.46% | 0.19% | 0.19% | 0.40% | 0.97% | 0.04% | 0.39% | 1.45% |
| ▃▁▁▂▆▁▃█ | Net Charge-Off Ratio (%) | 0.54% | 0.22% | 0.23% | 0.46% | 1.15% | 0.05% | 0.48% | 1.73% |
| ▁▃▅▇█▆▆▆ | Tang. Book Value ($M) | $15 | $16 | $16 | $17 | $17 | $17 | $17 | $17 |
| ▄▅▁██▇▂█ | Gross Loans ($M) | $142 | $144 | $139 | $147 | $147 | $146 | $141 | $146 |
| ▄▁▁▆▃███ | Total Deposits ($M) | $151 | $148 | $147 | $155 | $151 | $156 | $156 | $157 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 75% |
| C&I / Commercial | 13% |
| Agricultural | 11% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 7% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 26% |