Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.80% | +0.07 | 1.73% |
| Return on Equity (%) | ▼ | 13.56% | -0.57 | 14.13% |
| Net Interest Margin (%) | ▲ | 4.92% | +0.06 | 4.86% |
| Efficiency Ratio (%) | ▼ | 62.13% | +0.92 | 61.21% |
| Pre-Provision Profit ($M) | ▼ | $2 | -0.11 | $2 |
| Cost of Funds (%) | ▲ | 1.41% | -0.05 | 1.46% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $375 | +1.11 | $374 |
| Gross Loans ($M) | ▼ | $255 | -12.77 | $268 |
| Loan Growth YoY (%) | ▼ | 78.41% | -3.31 | 81.73% |
| Total Deposits ($M) | ▼ | $322 | -2.67 | $324 |
| Shareholders Equity ($M) | ▲ | $50 | +3.49 | $47 |
| Tang. Book Value ($M) | ▲ | $49 | +3.49 | $46 |
| TBV excl. AOCI ($M)** | ▲ | $53 | +3.34 | $49 |
| Loan / Deposit Ratio (%) | ▼ | 78.41% | -3.31 | 81.73% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.88% | +0.43 | 0.45% |
| Allowance / Loans (%) | — | 1.26% | 0.08% | 1.17% |
| Net Charge-Off Ratio (%) | ▼ | 1.25% | +0.64 | 0.61% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▁▆██▆▇ | Net Interest Margin (%) | 4.70% | 4.71% | 4.64% | 4.86% | 4.97% | 4.97% | 4.86% | 4.92% |
| ▁▄▃▆██▆▇ | Return on Assets (%) | 1.42% | 1.60% | 1.58% | 1.73% | 1.82% | 1.87% | 1.72% | 1.80% |
| ▄▂█▄▂▁█▆ | Efficiency Ratio (%) | 61.2% | 60.5% | 62.9% | 61.2% | 60.6% | 59.9% | 63.0% | 62.1% |
| ██▄▃▃▁▁▁ | Cost of Funds (%) | 1.67% | 1.69% | 1.52% | 1.46% | 1.47% | 1.38% | 1.38% | 1.41% |
| ▁▁▄▃▂█▇▇ | NPA / Assets (%) | 0.26% | 0.18% | 0.57% | 0.45% | 0.36% | 1.03% | 0.89% | 0.88% |
| ▁▁▄▃▂█▇▇ | Net Charge-Off Ratio (%) | 0.36% | 0.26% | 0.81% | 0.61% | 0.50% | 1.51% | 1.35% | 1.25% |
| ▁▁▃▂▅███ | Tang. Book Value ($M) | $45 | $45 | $46 | $46 | $48 | $50 | $50 | $49 |
| █▆██▆▃▁▃ | Gross Loans ($M) | $268 | $263 | $270 | $268 | $264 | $255 | $250 | $255 |
| ▅█▆▄▁▅▆▃ | Total Deposits ($M) | $329 | $338 | $332 | $324 | $315 | $327 | $332 | $322 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 10% |
| Agricultural | 7% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 50% |
| Brokered / Other | 18% |