Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.54% | +0.10 | 1.44% |
| Return on Equity (%) | ▼ | 9.73% | -0.25 | 9.98% |
| Net Interest Margin (%) | ▲ | 4.30% | +0.35 | 3.95% |
| Efficiency Ratio (%) | ▲ | 55.30% | -3.40 | 58.70% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $1 |
| Cost of Funds (%) | ▲ | 0.82% | -0.26 | 1.08% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $147 | +10.03 | $137 |
| Gross Loans ($M) | ▲ | $70 | +3.50 | $66 |
| Loan Growth YoY (%) | ▼ | 55.89% | -0.16 | 56.05% |
| Total Deposits ($M) | ▲ | $122 | +6.07 | $116 |
| Shareholders Equity ($M) | ▲ | $23 | +2.55 | $21 |
| Tang. Book Value ($M) | ▲ | $23 | +2.55 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +2.84 | $24 |
| Loan / Deposit Ratio (%) | ▼ | 55.89% | -0.16 | 56.05% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.37% | -0.50 | 1.87% |
| Allowance / Loans (%) | — | 1.77% | 0.35% | 1.42% |
| Net Charge-Off Ratio (%) | ▲ | 2.45% | -0.96 | 3.41% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▅▅▆██ | Net Interest Margin (%) | 3.47% | 3.64% | 3.91% | 3.95% | 3.98% | 4.09% | 4.32% | 4.30% |
| ▂▁▆▄▆▆██ | Return on Assets (%) | 1.37% | 1.33% | 1.47% | 1.44% | 1.49% | 1.48% | 1.55% | 1.54% |
| ▆█▂▄▃▄▁▁ | Efficiency Ratio (%) | 61.4% | 64.7% | 57.4% | 58.7% | 57.7% | 58.9% | 55.0% | 55.3% |
| █▇▅▄▄▃▁▁ | Cost of Funds (%) | 1.38% | 1.30% | 1.14% | 1.08% | 1.04% | 1.00% | 0.83% | 0.82% |
| ▁▄▂██▅▇▃ | NPA / Assets (%) | 1.11% | 1.52% | 1.32% | 1.87% | 1.97% | 1.59% | 1.83% | 1.37% |
| ▁▄▂▇█▅█▃ | Net Charge-Off Ratio (%) | 1.85% | 2.70% | 2.26% | 3.41% | 3.75% | 2.88% | 3.57% | 2.45% |
| ▄▁▄▄████ | Tang. Book Value ($M) | $21 | $18 | $21 | $21 | $23 | $23 | $23 | $23 |
| ▃▂▁▁▁▆▆█ | Gross Loans ($M) | $67 | $67 | $66 | $66 | $66 | $68 | $69 | $70 |
| ▂▄▁▁▃▄█▅ | Total Deposits ($M) | $117 | $121 | $115 | $116 | $118 | $121 | $127 | $122 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 46% |
| C&I / Commercial | 17% |
| Agricultural | 10% |
| Consumer | 27% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 34% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 11% |