Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.62% | -0.10 | 0.72% |
| Return on Equity (%) | ▼ | 4.64% | -0.70 | 5.34% |
| Net Interest Margin (%) | ▲ | 4.25% | +0.25 | 4.00% |
| Efficiency Ratio (%) | ▼ | 82.52% | +0.39 | 82.12% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.37 | $1 |
| Cost of Funds (%) | ▲ | 1.29% | -0.14 | 1.43% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $210 | +8.18 | $201 |
| Gross Loans ($M) | ▼ | $104 | -8.99 | $113 |
| Loan Growth YoY (%) | ▼ | 57.18% | -7.55 | 64.73% |
| Total Deposits ($M) | ▲ | $180 | +7.23 | $172 |
| Shareholders Equity ($M) | ▲ | $27 | +0.59 | $27 |
| Tang. Book Value ($M) | ▲ | $27 | +0.59 | $27 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +1.79 | $30 |
| Loan / Deposit Ratio (%) | ▼ | 57.18% | -7.55 | 64.73% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.95% | +0.50 | 0.46% |
| Allowance / Loans (%) | — | 1.01% | -0.01% | 1.03% |
| Net Charge-Off Ratio (%) | ▼ | 1.58% | +1.04 | 0.54% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▁▂▆▇██ | Net Interest Margin (%) | 3.92% | 3.98% | 3.96% | 4.00% | 4.14% | 4.19% | 4.27% | 4.25% |
| ▃▅▁█▆▇▇█ | Return on Assets (%) | 0.14% | 0.34% | -0.17% | 0.72% | 0.48% | 0.50% | 0.55% | 0.62% |
| ▆▄█▁▁▁▂▁ | Efficiency Ratio (%) | 94.8% | 89.8% | 99.9% | 82.1% | 83.0% | 82.9% | 84.5% | 82.5% |
| ▁▅▄███▄▂ | Cost of Funds (%) | 1.24% | 1.36% | 1.32% | 1.43% | 1.44% | 1.42% | 1.32% | 1.29% |
| ▁▁▂▃▂▂▂█ | NPA / Assets (%) | 0.23% | 0.22% | 0.33% | 0.46% | 0.36% | 0.39% | 0.33% | 0.95% |
| ▁▁▁▂▁▁▁█ | Net Charge-Off Ratio (%) | 0.29% | 0.29% | 0.30% | 0.54% | 0.30% | 0.37% | 0.28% | 1.58% |
| ▃▁▂▄██▇▇ | Tang. Book Value ($M) | $26 | $26 | $26 | $27 | $28 | $28 | $28 | $27 |
| ██▅▆▆▄▁▁ | Gross Loans ($M) | $117 | $116 | $112 | $113 | $112 | $109 | $105 | $104 |
| ▁▁▄▆▆▇▇█ | Total Deposits ($M) | $158 | $161 | $166 | $172 | $172 | $175 | $176 | $180 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 7% |
| Agricultural | 1% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 12% |