Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.54% | +0.54 | 1.00% |
| Return on Equity (%) | ▲ | 10.84% | +2.77 | 8.07% |
| Net Interest Margin (%) | ▲ | 3.43% | +0.53 | 2.89% |
| Efficiency Ratio (%) | ▲ | 51.14% | -13.25 | 64.39% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.21 | $0 |
| Cost of Funds (%) | ▲ | 1.81% | -0.23 | 2.05% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $143 | -2.68 | $146 |
| Gross Loans ($M) | ▲ | $81 | +2.07 | $79 |
| Loan Growth YoY (%) | ▼ | 75.85% | -1.12 | 76.97% |
| Total Deposits ($M) | ▲ | $106 | +3.98 | $102 |
| Shareholders Equity ($M) | ▲ | $21 | +2.18 | $19 |
| Tang. Book Value ($M) | ▲ | $21 | +2.18 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +2.04 | $22 |
| Loan / Deposit Ratio (%) | ▼ | 75.85% | -1.12 | 76.97% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.05% | +0.73 | 0.33% |
| Allowance / Loans (%) | — | 1.00% | 0.21% | 0.80% |
| Net Charge-Off Ratio (%) | ▼ | 1.86% | +1.26 | 0.60% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆██ | Net Interest Margin (%) | 2.41% | 2.46% | 2.79% | 2.89% | 2.97% | 3.05% | 3.35% | 3.43% |
| ▁▁▂▃▅▅▇█ | Return on Assets (%) | 0.68% | 0.70% | 0.85% | 1.00% | 1.15% | 1.21% | 1.41% | 1.54% |
| ███▆▄▃▁▁ | Efficiency Ratio (%) | 70.3% | 69.2% | 68.0% | 64.4% | 60.2% | 57.2% | 52.3% | 51.1% |
| █▇▅▃▅▂▂▁ | Cost of Funds (%) | 2.47% | 2.35% | 2.19% | 2.05% | 2.15% | 1.95% | 1.92% | 1.81% |
| ▁▁▁▁▂▂█▃ | NPA / Assets (%) | 0.42% | 0.38% | 0.45% | 0.33% | 0.64% | 0.73% | 2.61% | 1.05% |
| ▁▁▁▁▂▂█▃ | Net Charge-Off Ratio (%) | 0.84% | 0.72% | 0.87% | 0.60% | 1.17% | 1.34% | 4.67% | 1.86% |
| ▃▁▁▃▆█▆█ | Tang. Book Value ($M) | $19 | $18 | $18 | $19 | $20 | $21 | $20 | $21 |
| ▃▄▁▆▇█▅▇ | Gross Loans ($M) | $76 | $77 | $73 | $79 | $80 | $82 | $78 | $81 |
| ▃▄█▁▂▇█▅ | Total Deposits ($M) | $105 | $105 | $109 | $102 | $103 | $108 | $110 | $106 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 48% |
| C&I / Commercial | 12% |
| Agricultural | 35% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 13% |