Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.20% | -0.84 | 1.04% |
| Return on Equity (%) | ▼ | 2.15% | -8.66 | 10.81% |
| Net Interest Margin (%) | ▼ | 5.50% | -0.10 | 5.61% |
| Efficiency Ratio (%) | ▼ | 74.59% | +6.41 | 68.18% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.10 | $2 |
| Cost of Funds (%) | ▼ | 1.91% | +0.18 | 1.73% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $325 | +7.41 | $317 |
| Gross Loans ($M) | ▲ | $263 | +16.15 | $247 |
| Loan Growth YoY (%) | ▲ | 88.72% | +1.07 | 87.66% |
| Total Deposits ($M) | ▲ | $292 | +13.64 | $278 |
| Shareholders Equity ($M) | ▼ | $31 | -0.21 | $31 |
| Tang. Book Value ($M) | ▼ | $30 | -0.16 | $30 |
| TBV excl. AOCI ($M)** | ▼ | $32 | -0.31 | $32 |
| Loan / Deposit Ratio (%) | ▲ | 88.72% | +1.07 | 87.66% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.39% | +0.87 | 0.52% |
| Allowance / Loans (%) | — | 1.55% | 0.33% | 1.22% |
| Net Charge-Off Ratio (%) | ▼ | 1.71% | +1.04 | 0.67% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 10.79% | -0.79 | 11.58% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▆▅▇██▁▅ | Net Interest Margin (%) | 5.55% | 5.55% | 5.51% | 5.61% | 5.65% | 5.64% | 5.34% | 5.50% |
| ██▅▅▅▃▁▂ | Return on Assets (%) | 1.80% | 1.64% | 0.91% | 1.04% | 0.90% | 0.46% | -0.12% | 0.20% |
| ▁▁▁▁▁▂█▆ | Efficiency Ratio (%) | 68.2% | 69.2% | 69.1% | 68.2% | 68.2% | 69.7% | 78.4% | 74.6% |
| ██▅▁▁▆▄▅ | Cost of Funds (%) | 2.06% | 2.06% | 1.94% | 1.73% | 1.73% | 1.95% | 1.86% | 1.91% |
| ▆▆▁▁▃▄▃█ | NPA / Assets (%) | 1.14% | 1.13% | 0.48% | 0.52% | 0.75% | 0.91% | 0.74% | 1.39% |
| ▇▇▁▁▃▅▃█ | Net Charge-Off Ratio (%) | 1.56% | 1.57% | 0.66% | 0.67% | 0.99% | 1.19% | 1.00% | 1.71% |
| ▅▁▄▄█▅▄▃ | Tang. Book Value ($M) | $30 | $29 | $30 | $30 | $31 | $30 | $30 | $30 |
| ▁▂▂▅▇█▇█ | Gross Loans ($M) | $225 | $233 | $232 | $247 | $256 | $260 | $257 | $263 |
| ▁▄▃▁▆▆█▄ | Total Deposits ($M) | $276 | $291 | $286 | $278 | $305 | $305 | $315 | $292 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 22% |
| Agricultural | 2% |
| Consumer | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 19% |