Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.18% | -0.05 | 0.23% |
| Return on Equity (%) | ▼ | 0.88% | -0.21 | 1.09% |
| Net Interest Margin (%) | ▲ | 3.03% | +0.24 | 2.78% |
| Efficiency Ratio (%) | ▼ | 92.15% | +2.76 | 89.40% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.04 | $0 |
| Cost of Funds (%) | ▲ | 1.08% | -0.16 | 1.24% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $154 | +6.41 | $148 |
| Gross Loans ($M) | ▼ | $49 | -0.69 | $49 |
| Loan Growth YoY (%) | ▼ | 38.52% | -2.55 | 41.07% |
| Total Deposits ($M) | ▲ | $123 | +6.04 | $117 |
| Shareholders Equity ($M) | ▲ | $31 | +0.30 | $31 |
| Tang. Book Value ($M) | ▲ | $31 | +0.31 | $31 |
| TBV excl. AOCI ($M)** | ▲ | $35 | +0.59 | $35 |
| Loan / Deposit Ratio (%) | ▼ | 38.52% | -2.55 | 41.07% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.07% | -0.02 | 0.09% |
| Allowance / Loans (%) | — | 2.30% | -0.04% | 2.35% |
| Net Charge-Off Ratio (%) | ▲ | 0.23% | -0.05 | 0.28% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆██ | Net Interest Margin (%) | 2.44% | 2.48% | 2.72% | 2.78% | 2.83% | 2.86% | 2.99% | 3.03% |
| ▁▁▅███▅▅ | Return on Assets (%) | 0.10% | 0.09% | 0.17% | 0.23% | 0.23% | 0.23% | 0.17% | 0.18% |
| ██▄▁▁▁▅▄ | Efficiency Ratio (%) | 94.8% | 95.5% | 91.9% | 89.4% | 89.3% | 89.4% | 92.6% | 92.2% |
| █▆▄▃▃▂▁▁ | Cost of Funds (%) | 1.54% | 1.40% | 1.27% | 1.24% | 1.21% | 1.19% | 1.12% | 1.08% |
| ██▇▆▂▂▂▁ | NPA / Assets (%) | 0.10% | 0.10% | 0.10% | 0.09% | 0.08% | 0.08% | 0.08% | 0.07% |
| ██▆▅▂▂▂▁ | Net Charge-Off Ratio (%) | 0.32% | 0.31% | 0.29% | 0.28% | 0.25% | 0.25% | 0.25% | 0.23% |
| ▂▁▃▄▆███ | Tang. Book Value ($M) | $31 | $30 | $31 | $31 | $31 | $31 | $31 | $31 |
| ▂▁█▇▅▃▁▅ | Gross Loans ($M) | $47 | $47 | $50 | $49 | $48 | $48 | $47 | $49 |
| ▂▁▂▄▅▆▆█ | Total Deposits ($M) | $114 | $112 | $114 | $117 | $119 | $119 | $119 | $123 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 6% |
| Agricultural | 1% |
| Consumer | 1% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 11% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 12% |