Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.05% | -0.35 | 2.40% |
| Return on Equity (%) | ▼ | 18.42% | -0.90 | 19.32% |
| Net Interest Margin (%) | ▼ | 4.69% | -0.42 | 5.11% |
| Efficiency Ratio (%) | ▼ | 56.15% | +3.34 | 52.81% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.11 | $1 |
| Cost of Funds (%) | ▲ | 1.90% | -0.27 | 2.18% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $192 | +14.67 | $178 |
| Gross Loans ($M) | ▲ | $135 | +1.49 | $133 |
| Loan Growth YoY (%) | ▼ | 77.46% | -7.36 | 84.81% |
| Total Deposits ($M) | ▲ | $171 | +16.60 | $155 |
| Shareholders Equity ($M) | ▼ | $20 | -1.92 | $22 |
| Tang. Book Value ($M) | ▼ | $20 | -1.92 | $22 |
| Loan / Deposit Ratio (%) | ▼ | 77.46% | -7.36 | 84.81% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.56% | +1.16 | 0.40% |
| Allowance / Loans (%) | — | 1.74% | -0.02% | 1.76% |
| Net Charge-Off Ratio (%) | ▼ | 2.22% | +1.69 | 0.53% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.72% | -1.24 | 13.96% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▄▄▄▄▂▁ | Net Interest Margin (%) | 5.61% | 5.54% | 5.11% | 5.11% | 5.12% | 5.10% | 4.84% | 4.69% |
| █▅▅▄▅▄▂▁ | Return on Assets (%) | 2.77% | 2.42% | 2.48% | 2.40% | 2.42% | 2.39% | 2.18% | 2.05% |
| ▁▁▃▅▄▅▇█ | Efficiency Ratio (%) | 49.1% | 49.7% | 51.2% | 52.8% | 52.6% | 53.1% | 54.8% | 56.1% |
| ██▅▄▄▅▁▁ | Cost of Funds (%) | 2.49% | 2.49% | 2.27% | 2.18% | 2.16% | 2.21% | 1.94% | 1.90% |
| ▁▂▁▁█▇▆▆ | NPA / Assets (%) | 0.45% | 0.65% | 0.41% | 0.40% | 2.06% | 1.72% | 1.63% | 1.56% |
| ▁▁▁▁█▆▇▇ | Net Charge-Off Ratio (%) | 0.52% | 0.76% | 0.51% | 0.53% | 2.52% | 1.93% | 2.06% | 2.22% |
| ▇▇████▁▁ | Tang. Book Value ($M) | $21 | $22 | $22 | $22 | $22 | $22 | $20 | $20 |
| ▅▆▃▁▅█▅▁ | Gross Loans ($M) | $147 | $148 | $141 | $133 | $147 | $156 | $146 | $135 |
| ▁▁▂▃▄▂▆█ | Total Deposits ($M) | $146 | $146 | $151 | $155 | $156 | $152 | $164 | $171 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 65% |
| C&I / Commercial | 12% |
| Agricultural | 20% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 10% |