Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.56% | +0.06 | 1.50% |
| Return on Equity (%) | ▼ | 14.17% | -0.46 | 14.63% |
| Net Interest Margin (%) | ▲ | 4.96% | +0.32 | 4.64% |
| Efficiency Ratio (%) | ▲ | 67.17% | -0.82 | 67.99% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.10 | $1 |
| Cost of Funds (%) | ▲ | 0.90% | -0.18 | 1.08% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $168 | +6.23 | $161 |
| Gross Loans ($M) | ▲ | $108 | +0.94 | $107 |
| Loan Growth YoY (%) | ▼ | 71.52% | -4.21 | 75.73% |
| Total Deposits ($M) | ▲ | $148 | +9.31 | $138 |
| Shareholders Equity ($M) | ▲ | $19 | +1.91 | $17 |
| Tang. Book Value ($M) | ▲ | $19 | +1.91 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 71.52% | -4.21 | 75.73% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.44% | -0.46 | 1.91% |
| Allowance / Loans (%) | — | 1.80% | 0.09% | 1.71% |
| Net Charge-Off Ratio (%) | ▲ | 2.25% | -0.64 | 2.89% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▅▁▄▃▅▄█ | Net Interest Margin (%) | 4.69% | 4.75% | 4.41% | 4.64% | 4.60% | 4.75% | 4.64% | 4.96% |
| ▄▅▁▅▅█▁▇ | Return on Assets (%) | 1.44% | 1.47% | 1.33% | 1.50% | 1.47% | 1.61% | 1.36% | 1.56% |
| ▇▇█▃▄▁▆▂ | Efficiency Ratio (%) | 70.1% | 69.8% | 70.6% | 68.0% | 68.1% | 66.4% | 69.2% | 67.2% |
| █▇█▄▄▁▁▁ | Cost of Funds (%) | 1.36% | 1.32% | 1.40% | 1.08% | 1.08% | 0.86% | 0.87% | 0.90% |
| ▁▁█▇█▇▅▆ | NPA / Assets (%) | 0.02% | 0.03% | 1.97% | 1.91% | 2.20% | 1.76% | 1.36% | 1.44% |
| ▁▁▇▇█▇▆▅ | Net Charge-Off Ratio (%) | 0.03% | 0.04% | 3.06% | 2.89% | 3.71% | 3.07% | 2.38% | 2.25% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $16 | $16 | $17 | $17 | $18 | $18 | $19 | $19 |
| ▅▅▄█▄▁▁█ | Gross Loans ($M) | $103 | $103 | $102 | $107 | $101 | $97 | $98 | $108 |
| ▅▂▁▂███▆ | Total Deposits ($M) | $145 | $139 | $135 | $138 | $152 | $150 | $151 | $148 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 73% |
| C&I / Commercial | 15% |
| Agricultural | 12% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 36% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 10% |