Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.36% | +0.28 | 0.08% |
| Return on Equity (%) | ▲ | 4.65% | +3.54 | 1.11% |
| Net Interest Margin (%) | ▲ | 2.70% | +0.08 | 2.63% |
| Efficiency Ratio (%) | ▲ | 83.45% | -2.19 | 85.64% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.09 | $0 |
| Cost of Funds (%) | ▲ | 2.08% | -0.02 | 2.10% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $314 | +14.39 | $300 |
| Gross Loans ($M) | ▼ | $207 | -1.23 | $208 |
| Loan Growth YoY (%) | ▼ | 78.55% | -4.60 | 83.14% |
| Total Deposits ($M) | ▲ | $259 | +12.81 | $247 |
| Shareholders Equity ($M) | ▲ | $24 | +1.54 | $22 |
| Tang. Book Value ($M) | ▲ | $24 | +1.54 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +1.84 | $25 |
| Loan / Deposit Ratio (%) | ▼ | 78.55% | -4.60 | 83.14% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.27% | +1.98 | 0.29% |
| Allowance / Loans (%) | — | 1.41% | 0.03% | 1.38% |
| Net Charge-Off Ratio (%) | ▼ | 3.45% | +3.03 | 0.42% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▅▇█▅█ | Net Interest Margin (%) | 2.52% | 2.56% | 2.62% | 2.63% | 2.67% | 2.70% | 2.62% | 2.70% |
| ▅▆▇▁▄▇██ | Return on Assets (%) | 0.23% | 0.27% | 0.30% | 0.08% | 0.22% | 0.30% | 0.35% | 0.36% |
| █▄▄▅▂▁▁▁ | Efficiency Ratio (%) | 87.5% | 85.0% | 85.0% | 85.6% | 84.3% | 83.3% | 83.4% | 83.4% |
| ██▃▁▅▁▁▁ | Cost of Funds (%) | 2.29% | 2.32% | 2.14% | 2.10% | 2.23% | 2.09% | 2.08% | 2.08% |
| ▁▁▁▂▂▂▃█ | NPA / Assets (%) | 0.04% | 0.00% | 0.24% | 0.29% | 0.31% | 0.51% | 0.64% | 2.27% |
| ▁▁▁▁▂▂▃█ | Net Charge-Off Ratio (%) | 0.05% | 0.00% | 0.32% | 0.42% | 0.43% | 0.74% | 0.93% | 3.45% |
| ▄▁▃▃▇██▇ | Tang. Book Value ($M) | $22 | $21 | $22 | $22 | $23 | $24 | $24 | $24 |
| █▇▅▂▂▁▂▂ | Gross Loans ($M) | $221 | $217 | $214 | $208 | $208 | $204 | $207 | $207 |
| ▅▁▂▄▁▃▅█ | Total Deposits ($M) | $247 | $234 | $238 | $247 | $236 | $241 | $249 | $259 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 2% |
| Agricultural | 7% |
| Consumer | 1% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 7% |