Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.40% | +0.08 | 1.32% |
| Return on Equity (%) | ▼ | 11.90% | -0.38 | 12.28% |
| Net Interest Margin (%) | ▲ | 4.07% | +0.06 | 4.01% |
| Efficiency Ratio (%) | ▲ | 60.76% | -2.14 | 62.90% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.12 | $1 |
| Cost of Funds (%) | ▲ | 2.16% | -0.09 | 2.25% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $135 | -4.48 | $140 |
| Gross Loans ($M) | ▼ | $103 | -1.00 | $104 |
| Loan Growth YoY (%) | ▼ | 88.37% | -2.28 | 90.65% |
| Total Deposits ($M) | ▲ | $115 | +2.34 | $112 |
| Shareholders Equity ($M) | ▲ | $16 | +1.30 | $15 |
| Tang. Book Value ($M) | ▲ | $16 | +1.30 | $15 |
| Loan / Deposit Ratio (%) | ▼ | 88.37% | -2.28 | 90.65% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.35% | -1.16 | 2.51% |
| Allowance / Loans (%) | — | 1.66% | -0.47% | 2.13% |
| Net Charge-Off Ratio (%) | ▲ | 1.77% | -1.60 | 3.37% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▇█▆▄ | Net Interest Margin (%) | 3.77% | 3.73% | 3.93% | 4.01% | 4.37% | 4.56% | 4.25% | 4.07% |
| ▁▁▄▅▇▇█▅ | Return on Assets (%) | 0.80% | 0.69% | 1.22% | 1.32% | 1.68% | 1.60% | 1.85% | 1.40% |
| ██▇▅▂▅▁▄ | Efficiency Ratio (%) | 66.8% | 67.2% | 65.7% | 62.9% | 58.7% | 62.7% | 56.0% | 60.8% |
| ██▆▂▃▂▁▁ | Cost of Funds (%) | 2.72% | 2.68% | 2.55% | 2.25% | 2.33% | 2.26% | 2.11% | 2.16% |
| ▇███▅▁▁▄ | NPA / Assets (%) | 2.20% | 2.64% | 2.64% | 2.51% | 1.61% | 0.16% | 0.10% | 1.35% |
| ▇███▅▁▁▄ | Net Charge-Off Ratio (%) | 2.86% | 3.55% | 3.48% | 3.37% | 2.19% | 0.21% | 0.14% | 1.77% |
| ▂▁▂▃▆▇█▇ | Tang. Book Value ($M) | $15 | $14 | $15 | $15 | $16 | $16 | $17 | $16 |
| ▃▁▁▄▅█▅▂ | Gross Loans ($M) | $104 | $102 | $102 | $104 | $105 | $108 | $105 | $103 |
| ▁▅▄▄▇███ | Total Deposits ($M) | $110 | $113 | $112 | $112 | $114 | $114 | $115 | $115 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 60% |
| C&I / Commercial | 7% |
| Agricultural | 30% |
| Consumer | 1% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 15% |