Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.66% | +0.88 | -0.22% |
| Return on Equity (%) | ▲ | 5.98% | +8.25 | -2.27% |
| Net Interest Margin (%) | ▲ | 3.96% | +0.14 | 3.83% |
| Efficiency Ratio (%) | ▲ | 77.00% | -5.95 | 82.95% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.01 | $0 |
| Cost of Funds (%) | ▲ | 2.16% | -0.26 | 2.42% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $123 | -3.55 | $126 |
| Gross Loans ($M) | ▲ | $101 | +10.38 | $90 |
| Loan Growth YoY (%) | ▲ | 93.72% | +10.09 | 83.63% |
| Total Deposits ($M) | ▼ | $106 | -0.66 | $106 |
| Shareholders Equity ($M) | ▲ | $14 | +1.27 | $13 |
| Tang. Book Value ($M) | ▲ | $14 | +1.27 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 93.72% | +10.09 | 83.63% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 4.76% | -0.16 | 4.92% |
| Allowance / Loans (%) | — | 1.66% | 0.10% | 1.56% |
| Net Charge-Off Ratio (%) | ▲ | 5.80% | -0.63 | 6.43% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.11% | +0.57 | 12.54% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▂▂▃▁▃ | Net Interest Margin (%) | 4.59% | 4.57% | 3.68% | 3.83% | 3.86% | 3.97% | 3.73% | 3.96% |
| ▇▁▁▃▅███ | Return on Assets (%) | 0.38% | -0.56% | -0.71% | -0.22% | -0.02% | 0.56% | 0.61% | 0.66% |
| ▄█▅▃▃▁▂▂ | Efficiency Ratio (%) | 86.3% | 113.9% | 91.8% | 83.0% | 83.8% | 69.0% | 77.5% | 77.0% |
| █▇█▇█▃▁▁ | Cost of Funds (%) | 2.45% | 2.42% | 2.45% | 2.42% | 2.46% | 2.25% | 2.18% | 2.16% |
| █▂▂▂▄▁▁▂ | NPA / Assets (%) | 8.16% | 4.93% | 4.76% | 4.92% | 6.07% | 4.47% | 4.22% | 4.76% |
| ▄▁▃▂█▂▁▁ | Net Charge-Off Ratio (%) | 7.04% | 5.88% | 6.66% | 6.43% | 8.31% | 6.43% | 6.09% | 5.80% |
| █▂▁▁▂▇██ | Tang. Book Value ($M) | $14 | $13 | $12 | $13 | $13 | $14 | $14 | $14 |
| ▆▆▄▃▂▂▁█ | Gross Loans ($M) | $96 | $97 | $92 | $90 | $89 | $89 | $87 | $101 |
| ▁██▅▁█▅▄ | Total Deposits ($M) | $102 | $110 | $109 | $106 | $102 | $109 | $107 | $106 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 54% |
| C&I / Commercial | 12% |
| Agricultural | 29% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 32% |