Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.96% | +0.21 | 0.74% |
| Return on Equity (%) | ▼ | 27.40% | -64.66 | 92.06% |
| Net Interest Margin (%) | ▲ | 3.64% | +0.19 | 3.45% |
| Efficiency Ratio (%) | ▲ | 72.90% | -0.44 | 73.33% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.01 | $1 |
| Cost of Funds (%) | ▲ | 0.83% | -0.40 | 1.23% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $266 | +6.66 | $260 |
| Gross Loans ($M) | ▼ | $85 | -2.72 | $88 |
| Loan Growth YoY (%) | ▼ | 32.52% | -0.95 | 33.47% |
| Total Deposits ($M) | ▼ | $255 | -0.94 | $256 |
| Shareholders Equity ($M) | ▲ | $10 | +7.50 | $3 |
| Tang. Book Value ($M) | ▲ | $10 | +7.50 | $3 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +7.44 | $10 |
| Loan / Deposit Ratio (%) | ▼ | 32.52% | -0.95 | 33.47% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.12% | +0.11 | 0.01% |
| Allowance / Loans (%) | — | 2.80% | 0.10% | 2.70% |
| Net Charge-Off Ratio (%) | ▼ | 0.37% | +0.33 | 0.04% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -19.15 | 19.15% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▁▂▅▅▄▇█ | Net Interest Margin (%) | 3.33% | 3.24% | 3.33% | 3.45% | 3.47% | 3.40% | 3.58% | 3.64% |
| ▅▃▁▅▆▆██ | Return on Assets (%) | 0.73% | 0.59% | 0.47% | 0.74% | 0.79% | 0.79% | 0.93% | 0.96% |
| ▅█▃▂▂▃▁▁ | Efficiency Ratio (%) | 76.1% | 80.1% | 74.5% | 73.3% | 73.9% | 74.6% | 72.0% | 72.9% |
| ▇█▆▅▃▂▁▁ | Cost of Funds (%) | 1.32% | 1.47% | 1.24% | 1.23% | 1.04% | 0.96% | 0.89% | 0.83% |
| ▁▁▁▁▁▂▂█ | NPA / Assets (%) | 0.02% | 0.02% | 0.01% | 0.01% | 0.02% | 0.03% | 0.03% | 0.12% |
| ▁▁▁▁▁▃▂█ | Net Charge-Off Ratio (%) | 0.04% | 0.05% | 0.02% | 0.04% | 0.05% | 0.11% | 0.11% | 0.37% |
| █▁▁▂▅▆▅▆ | Tang. Book Value ($M) | $14 | $1 | $2 | $3 | $9 | $10 | $9 | $10 |
| ▅▄█▃▁▃▄▁ | Gross Loans ($M) | $90 | $88 | $93 | $88 | $86 | $88 | $88 | $85 |
| ▁▁█▅▂▃█▅ | Total Deposits ($M) | $219 | $224 | $281 | $256 | $234 | $242 | $284 | $255 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 69% |
| C&I / Commercial | 22% |
| Agricultural | 3% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 33% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 4% |