Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.43% | -0.04 | 1.46% |
| Return on Equity (%) | ▼ | 17.07% | -6.24 | 23.31% |
| Net Interest Margin (%) | ▲ | 5.84% | +0.62 | 5.22% |
| Efficiency Ratio (%) | ▲ | 70.44% | -3.34 | 73.78% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.28 | $1 |
| Cost of Funds (%) | ▲ | 1.41% | -0.30 | 1.72% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $167 | +2.30 | $164 |
| Gross Loans ($M) | ▼ | $100 | -4.79 | $105 |
| Loan Growth YoY (%) | ▼ | 67.61% | -2.84 | 70.45% |
| Total Deposits ($M) | ▼ | $145 | -1.05 | $146 |
| Shareholders Equity ($M) | ▲ | $15 | +4.31 | $10 |
| Tang. Book Value ($M) | ▲ | $15 | +4.31 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +4.60 | $13 |
| Loan / Deposit Ratio (%) | ▼ | 67.61% | -2.84 | 70.45% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.86% | +0.44 | 0.42% |
| Allowance / Loans (%) | — | 1.85% | 0.16% | 1.69% |
| Net Charge-Off Ratio (%) | ▼ | 1.43% | +0.78 | 0.66% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▁▁▄█▅ | Net Interest Margin (%) | 5.25% | 5.13% | 5.40% | 5.22% | 5.14% | 5.60% | 6.32% | 5.84% |
| ▅▁▄▇██▇▇ | Return on Assets (%) | 0.86% | -0.14% | 0.81% | 1.46% | 1.58% | 1.81% | 1.44% | 1.43% |
| ▁▃█▄▃▃▁▂ | Efficiency Ratio (%) | 68.4% | 73.0% | 85.9% | 73.8% | 71.2% | 72.5% | 66.2% | 70.4% |
| ▄█▆▂▂▂▁▁ | Cost of Funds (%) | 2.04% | 2.70% | 2.37% | 1.72% | 1.63% | 1.60% | 1.50% | 1.41% |
| ▁▁▄▂█▃▂▅ | NPA / Assets (%) | 0.18% | 0.10% | 0.76% | 0.42% | 1.57% | 0.56% | 0.35% | 0.86% |
| ▁▁▄▂█▃▂▅ | Net Charge-Off Ratio (%) | 0.28% | 0.15% | 1.24% | 0.66% | 2.46% | 0.87% | 0.57% | 1.43% |
| ▅▁▁▁▄▆▆█ | Tang. Book Value ($M) | $13 | $10 | $10 | $10 | $12 | $13 | $13 | $15 |
| █▇▃█▆█▃▁ | Gross Loans ($M) | $105 | $104 | $102 | $105 | $104 | $105 | $102 | $100 |
| ▁▂██▅▄▆▇ | Total Deposits ($M) | $134 | $137 | $148 | $146 | $142 | $141 | $144 | $145 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 46% |
| C&I / Commercial | 25% |
| Agricultural | 12% |
| Consumer | 7% |
| Other | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 31% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 12% |