Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.20% | +0.12 | 1.08% |
| Return on Equity (%) | ▲ | 9.72% | +1.35 | 8.37% |
| Net Interest Margin (%) | ▼ | 3.97% | -0.19 | 4.16% |
| Efficiency Ratio (%) | ▲ | 59.59% | -3.67 | 63.26% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.13 | $0 |
| Cost of Funds (%) | ▲ | 2.03% | -0.10 | 2.13% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $141 | +21.59 | $120 |
| Gross Loans ($M) | ▲ | $122 | +18.00 | $104 |
| Loan Growth YoY (%) | ▼ | 110.28% | -0.50 | 110.78% |
| Total Deposits ($M) | ▲ | $109 | +16.62 | $92 |
| Shareholders Equity ($M) | ▲ | $19 | +3.11 | $16 |
| Tang. Book Value ($M) | ▲ | $18 | +3.18 | $15 |
| Loan / Deposit Ratio (%) | ▼ | 110.28% | -0.50 | 110.78% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.14% | -0.23 | 1.38% |
| Allowance / Loans (%) | — | 1.37% | -0.11% | 1.48% |
| Net Charge-Off Ratio (%) | ▲ | 1.22% | -0.37 | 1.59% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▂▄▄▅▁▂ | Net Interest Margin (%) | 4.54% | 4.55% | 4.04% | 4.16% | 4.19% | 4.24% | 3.88% | 3.97% |
| ██▁▂▆▆▄▄ | Return on Assets (%) | 1.41% | 1.41% | 1.03% | 1.08% | 1.27% | 1.27% | 1.18% | 1.20% |
| ▁▁██▃▄▄▄ | Efficiency Ratio (%) | 56.9% | 56.8% | 63.6% | 63.3% | 59.0% | 59.7% | 60.1% | 59.6% |
| ▁██▃▃▇▅▁ | Cost of Funds (%) | 2.02% | 2.33% | 2.35% | 2.13% | 2.14% | 2.28% | 2.19% | 2.03% |
| ▆▄▅▄█▅▁▁ | NPA / Assets (%) | 1.53% | 1.37% | 1.42% | 1.38% | 1.66% | 1.41% | 1.17% | 1.14% |
| █▅▆▅█▆▃▁ | Net Charge-Off Ratio (%) | 1.82% | 1.62% | 1.64% | 1.59% | 1.90% | 1.67% | 1.43% | 1.22% |
| ▁▁▁▂▃▄▃█ | Tang. Book Value ($M) | $14 | $14 | $14 | $15 | $15 | $16 | $15 | $18 |
| ▁▂▂▃▇▇▆█ | Gross Loans ($M) | $97 | $102 | $101 | $104 | $117 | $117 | $114 | $122 |
| ▁▁▃▃▅▆▇█ | Total Deposits ($M) | $86 | $87 | $92 | $92 | $99 | $101 | $105 | $109 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 62% |
| C&I / Commercial | 17% |
| Agricultural | 20% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 11% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 15% |