Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.67% | +0.60 | 1.07% |
| Return on Equity (%) | ▲ | 18.63% | +7.17 | 11.46% |
| Net Interest Margin (%) | ▲ | 6.16% | +0.57 | 5.60% |
| Efficiency Ratio (%) | ▲ | 58.85% | -13.46 | 72.32% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.13 | $0 |
| Cost of Funds (%) | ▲ | 1.19% | -0.50 | 1.69% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $107 | +5.59 | $102 |
| Gross Loans ($M) | ▼ | $76 | -4.78 | $80 |
| Loan Growth YoY (%) | ▼ | 76.78% | -9.45 | 86.23% |
| Total Deposits ($M) | ▲ | $97 | +5.05 | $92 |
| Shareholders Equity ($M) | ▲ | $10 | +0.63 | $10 |
| Tang. Book Value ($M) | ▲ | $10 | +0.63 | $10 |
| Loan / Deposit Ratio (%) | ▼ | 76.78% | -9.45 | 86.23% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.95% | -0.76 | 1.71% |
| Allowance / Loans (%) | — | 1.69% | 0.12% | 1.57% |
| Net Charge-Off Ratio (%) | ▲ | 0.70% | -1.35 | 2.05% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.71% | +1.58 | 12.13% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▃▂▂▁▁█▇ | Net Interest Margin (%) | 5.78% | 5.74% | 5.51% | 5.60% | 5.44% | 5.34% | 6.41% | 6.16% |
| ▂▁▃▄▃▁█▇ | Return on Assets (%) | 0.67% | 0.57% | 0.81% | 1.07% | 0.86% | 0.44% | 1.93% | 1.67% |
| ▆▆████▁▃ | Efficiency Ratio (%) | 67.4% | 67.5% | 71.8% | 72.3% | 73.4% | 72.4% | 51.1% | 58.9% |
| ███▆▅▂▂▁ | Cost of Funds (%) | 1.93% | 1.85% | 1.92% | 1.69% | 1.58% | 1.37% | 1.32% | 1.19% |
| ▅▃▁▃██▂▂ | NPA / Assets (%) | 2.50% | 1.83% | 0.21% | 1.71% | 4.56% | 4.30% | 0.86% | 0.95% |
| ▄▃▁▃██▁▁ | Net Charge-Off Ratio (%) | 3.09% | 2.26% | 0.13% | 2.05% | 6.12% | 5.82% | 0.55% | 0.70% |
| ▁▁▂▄▅▃▆█ | Tang. Book Value ($M) | $9 | $9 | $9 | $10 | $10 | $9 | $10 | $10 |
| ▁▅▆▅▃█▄▁ | Gross Loans ($M) | $76 | $80 | $82 | $80 | $78 | $84 | $79 | $76 |
| ▁▄▁▃▅█▅▅ | Total Deposits ($M) | $85 | $95 | $86 | $92 | $97 | $107 | $97 | $97 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 59% |
| C&I / Commercial | 13% |
| Agricultural | 20% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 46% |
| Interest-Bearing (core) | 42% |
| Brokered / Other | 12% |