Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.12% | +1.24 | -0.13% |
| Return on Equity (%) | ▲ | 17.52% | +19.84 | -2.32% |
| Net Interest Margin (%) | ▼ | 3.87% | -0.07 | 3.93% |
| Efficiency Ratio (%) | ▼ | 66.24% | +2.83 | 63.41% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.10 | $1 |
| Cost of Funds (%) | ▲ | 1.62% | -0.27 | 1.89% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $357 | +11.55 | $345 |
| Gross Loans ($M) | ▼ | $206 | -2.26 | $208 |
| Loan Growth YoY (%) | ▼ | 62.05% | -1.65 | 63.70% |
| Total Deposits ($M) | ▲ | $327 | +7.50 | $320 |
| Shareholders Equity ($M) | ▲ | $23 | +4.83 | $18 |
| Tang. Book Value ($M) | ▲ | $23 | +4.83 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +4.88 | $23 |
| Loan / Deposit Ratio (%) | ▼ | 62.05% | -1.65 | 63.70% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 3.55% | -0.37 | 3.91% |
| Allowance / Loans (%) | — | 1.45% | -0.77% | 2.22% |
| Net Charge-Off Ratio (%) | ▲ | 5.72% | -0.76 | 6.48% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.63% | +1.32 | 11.31% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▅█▆██▁▄ | Net Interest Margin (%) | 3.79% | 3.90% | 4.00% | 3.93% | 3.97% | 3.97% | 3.73% | 3.87% |
| ███▁▄▅██ | Return on Assets (%) | 1.14% | 1.09% | 1.04% | -0.13% | 0.49% | 0.65% | 1.01% | 1.12% |
| ▄▃▁▃▁▂█▆ | Efficiency Ratio (%) | 64.3% | 63.2% | 61.5% | 63.4% | 61.6% | 62.4% | 67.9% | 66.2% |
| ██▄▆▆▄▂▁ | Cost of Funds (%) | 1.98% | 1.95% | 1.77% | 1.89% | 1.89% | 1.79% | 1.70% | 1.62% |
| ▁▁▅███▇█ | NPA / Assets (%) | 0.31% | 0.31% | 2.29% | 3.91% | 3.51% | 3.57% | 3.29% | 3.55% |
| ▁▁▅█▇█▇▇ | Net Charge-Off Ratio (%) | 0.53% | 0.51% | 3.89% | 6.48% | 5.63% | 5.96% | 5.71% | 5.72% |
| ▅▁▃▁▄▆▇█ | Tang. Book Value ($M) | $21 | $18 | $20 | $18 | $21 | $22 | $22 | $23 |
| ▁▃▆▇█▇▄▆ | Gross Loans ($M) | $193 | $199 | $206 | $208 | $212 | $209 | $202 | $206 |
| ▁▁▇▆▄▇▇█ | Total Deposits ($M) | $302 | $300 | $323 | $320 | $314 | $321 | $323 | $327 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 62% |
| C&I / Commercial | 22% |
| Agricultural | 2% |
| Consumer | 13% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 38% |
| Interest-Bearing (core) | 38% |
| Brokered / Other | 23% |