Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.01% | +0.03 | 0.98% |
| Return on Equity (%) | ▼ | 17.31% | -3.09 | 20.40% |
| Net Interest Margin (%) | ▲ | 2.44% | +0.06 | 2.38% |
| Efficiency Ratio (%) | ▲ | 54.13% | -4.50 | 58.63% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.09 | $0 |
| Cost of Funds (%) | ▲ | 2.16% | -0.07 | 2.24% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $149 | +13.54 | $135 |
| Gross Loans ($M) | ▲ | $40 | +1.91 | $38 |
| Loan Growth YoY (%) | ▼ | 28.71% | -0.91 | 29.62% |
| Total Deposits ($M) | ▲ | $139 | +10.64 | $129 |
| Shareholders Equity ($M) | ▲ | $9 | +2.89 | $6 |
| Tang. Book Value ($M) | ▲ | $9 | +2.89 | $6 |
| TBV excl. AOCI ($M)** | ▲ | $12 | +3.25 | $9 |
| Loan / Deposit Ratio (%) | ▼ | 28.71% | -0.91 | 29.62% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.14% | -0.22 | 0.35% |
| Allowance / Loans (%) | — | 0.56% | 0.05% | 0.51% |
| Net Charge-Off Ratio (%) | ▲ | 0.50% | -0.74 | 1.24% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▂▆▇█▄█ | Net Interest Margin (%) | 2.24% | 2.28% | 2.28% | 2.38% | 2.40% | 2.45% | 2.34% | 2.44% |
| ▂▁▅██▅▆█ | Return on Assets (%) | 0.80% | 0.75% | 0.88% | 0.98% | 1.00% | 0.89% | 0.92% | 1.01% |
| ██▄▃▂▅▁▁ | Efficiency Ratio (%) | 65.2% | 66.5% | 59.9% | 58.6% | 56.9% | 61.2% | 54.4% | 54.1% |
| ██▆▂▁▁▁▁ | Cost of Funds (%) | 2.46% | 2.45% | 2.36% | 2.24% | 2.17% | 2.17% | 2.18% | 2.16% |
| ▁▂▇▆▆▆█▃ | NPA / Assets (%) | 0.00% | 0.07% | 0.36% | 0.35% | 0.34% | 0.32% | 0.47% | 0.14% |
| ▁▂▆▆▆▆█▃ | Net Charge-Off Ratio (%) | 0.00% | 0.25% | 1.27% | 1.24% | 1.29% | 1.21% | 1.77% | 0.50% |
| ▄▁▁▁▅▇▅█ | Tang. Book Value ($M) | $8 | $6 | $6 | $6 | $8 | $9 | $8 | $9 |
| ▁▅▅▆▅▇▇█ | Gross Loans ($M) | $33 | $37 | $37 | $38 | $37 | $39 | $39 | $40 |
| ▁▁▂▄▇███ | Total Deposits ($M) | $119 | $119 | $124 | $129 | $136 | $138 | $137 | $139 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 63% |
| C&I / Commercial | 7% |
| Agricultural | 5% |
| Consumer | 17% |
| Other | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 47% |
| Brokered / Other | 30% |