Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.73% | -0.11 | 0.84% |
| Return on Equity (%) | ▼ | 7.06% | -1.34 | 8.40% |
| Net Interest Margin (%) | ▲ | 3.25% | +0.26 | 2.99% |
| Efficiency Ratio (%) | ▼ | 70.41% | +5.03 | 65.39% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.09 | $0 |
| Cost of Funds (%) | ▲ | 1.87% | -0.08 | 1.94% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $98 | +3.23 | $95 |
| Gross Loans ($M) | ▲ | $52 | +5.25 | $46 |
| Loan Growth YoY (%) | ▼ | 58.52% | -1.39 | 59.90% |
| Total Deposits ($M) | ▲ | $87 | +10.63 | $76 |
| Shareholders Equity ($M) | ▲ | $11 | +1.04 | $10 |
| Tang. Book Value ($M) | ▲ | $10 | +1.11 | $9 |
| TBV excl. AOCI ($M)** | ▲ | $12 | +0.82 | $11 |
| Loan / Deposit Ratio (%) | ▼ | 58.52% | -1.39 | 59.90% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.33% | -0.05 | 0.37% |
| Allowance / Loans (%) | — | 1.36% | 0.04% | 1.32% |
| Net Charge-Off Ratio (%) | ▲ | 0.62% | -0.14 | 0.76% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆▅▅██ | Net Interest Margin (%) | 2.46% | 2.56% | 2.91% | 2.99% | 2.87% | 2.93% | 3.21% | 3.25% |
| ▁▂▆█▇██▆ | Return on Assets (%) | 0.44% | 0.51% | 0.70% | 0.84% | 0.79% | 0.80% | 0.85% | 0.73% |
| █▇█▄▄▁▃█ | Efficiency Ratio (%) | 71.4% | 69.3% | 71.3% | 65.4% | 65.5% | 61.6% | 64.6% | 70.4% |
| █▆▅▅▁▁▁▂ | Cost of Funds (%) | 2.02% | 1.95% | 1.94% | 1.94% | 1.84% | 1.82% | 1.84% | 1.87% |
| ▁▅▅█▃█▇▇ | NPA / Assets (%) | 0.05% | 0.24% | 0.22% | 0.37% | 0.17% | 0.35% | 0.31% | 0.33% |
| ▁▅▅█▄█▆▇ | Net Charge-Off Ratio (%) | 0.12% | 0.52% | 0.44% | 0.76% | 0.42% | 0.73% | 0.58% | 0.62% |
| ▄▁▂▄▇█▇█ | Tang. Book Value ($M) | $9 | $8 | $8 | $9 | $9 | $10 | $9 | $10 |
| ▁▁▂▃▃██▆ | Gross Loans ($M) | $44 | $45 | $46 | $46 | $47 | $54 | $54 | $52 |
| ▁▃▃▁██▅▄ | Total Deposits ($M) | $77 | $83 | $84 | $76 | $103 | $103 | $91 | $87 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 49% |
| C&I / Commercial | 44% |
| Agricultural | 1% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 84% |
| Brokered / Other | 4% |