Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.03% | -0.14 | 0.16% |
| Return on Equity (%) | ▼ | 0.42% | -1.97 | 2.39% |
| Net Interest Margin (%) | ▼ | 3.74% | -0.01 | 3.74% |
| Efficiency Ratio (%) | ▼ | 98.18% | +19.18 | 79.00% |
| Pre-Provision Profit ($M) | ▼ | $-0 | -0.45 | $0 |
| Cost of Funds (%) | ▼ | 2.56% | +0.10 | 2.47% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $123 | +6.12 | $116 |
| Gross Loans ($M) | ▲ | $97 | +2.83 | $94 |
| Loan Growth YoY (%) | ▼ | 88.14% | -4.03 | 92.17% |
| Total Deposits ($M) | ▲ | $108 | +7.74 | $101 |
| Shareholders Equity ($M) | ▲ | $9 | +1.04 | $8 |
| Tang. Book Value ($M) | ▲ | $9 | +1.04 | $8 |
| Loan / Deposit Ratio (%) | ▼ | 88.14% | -4.03 | 92.17% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.51% | +0.16 | 1.35% |
| Allowance / Loans (%) | — | 1.12% | 0.03% | 1.09% |
| Net Charge-Off Ratio (%) | ▼ | 1.91% | +0.23 | 1.68% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 11.38% | +0.57 | 10.80% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▄▁▅██▆▅ | Net Interest Margin (%) | 3.73% | 3.69% | 3.60% | 3.74% | 3.83% | 3.84% | 3.75% | 3.74% |
| █▄▂▂▅▄▁▁ | Return on Assets (%) | 0.63% | 0.31% | 0.18% | 0.16% | 0.37% | 0.27% | 0.09% | 0.03% |
| ▁▄▆▁▁▂██ | Efficiency Ratio (%) | 78.5% | 87.5% | 92.5% | 79.0% | 79.5% | 82.8% | 96.0% | 98.2% |
| ▁▅▅▄▆█▇▅ | Cost of Funds (%) | 2.32% | 2.53% | 2.55% | 2.47% | 2.57% | 2.71% | 2.64% | 2.56% |
| ▆▅▄▇▁▂▁█ | NPA / Assets (%) | 1.24% | 1.09% | 1.03% | 1.35% | 0.68% | 0.71% | 0.56% | 1.51% |
| ▆▄▃▇▁▂▁█ | Net Charge-Off Ratio (%) | 1.51% | 1.26% | 1.17% | 1.68% | 0.84% | 0.91% | 0.73% | 1.91% |
| ▅▁▁▁▅▆██ | Tang. Book Value ($M) | $8 | $8 | $8 | $8 | $8 | $8 | $9 | $9 |
| ▁▃▅▇██▇█ | Gross Loans ($M) | $78 | $84 | $87 | $94 | $95 | $94 | $94 | $97 |
| ▁▂▄▆▇███ | Total Deposits ($M) | $86 | $90 | $96 | $101 | $105 | $108 | $108 | $108 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 7% |
| Agricultural | 3% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 46% |
| Brokered / Other | 37% |