Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.10% | +0.63 | 1.47% |
| Return on Equity (%) | ▼ | 34.13% | -0.36 | 34.49% |
| Net Interest Margin (%) | ▲ | 3.96% | +0.13 | 3.83% |
| Efficiency Ratio (%) | ▲ | 56.93% | -6.28 | 63.21% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.24 | $0 |
| Cost of Funds (%) | ▼ | 1.27% | +0.08 | 1.18% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $143 | +1.00 | $142 |
| Gross Loans ($M) | ▼ | $71 | -0.99 | $72 |
| Loan Growth YoY (%) | ▼ | 53.44% | -0.26 | 53.70% |
| Total Deposits ($M) | ▼ | $131 | -1.00 | $132 |
| Shareholders Equity ($M) | ▲ | $10 | +2.62 | $7 |
| Tang. Book Value ($M) | ▲ | $10 | +2.62 | $7 |
| TBV excl. AOCI ($M)** | ▲ | $13 | +2.88 | $10 |
| Loan / Deposit Ratio (%) | ▼ | 53.44% | -0.26 | 53.70% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.12% | -0.86 | 0.98% |
| Allowance / Loans (%) | — | 1.04% | -0.14% | 1.18% |
| Net Charge-Off Ratio (%) | ▲ | 0.25% | -1.69 | 1.94% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.23% | +1.66 | 14.57% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁█▆▆▄▆█ | Net Interest Margin (%) | 3.55% | 3.53% | 3.98% | 3.83% | 3.86% | 3.75% | 3.85% | 3.96% |
| ▂▁▃▃▃▂██ | Return on Assets (%) | 1.39% | 1.21% | 1.46% | 1.47% | 1.47% | 1.37% | 2.11% | 2.10% |
| ▆█▃▅▅▆▁▁ | Efficiency Ratio (%) | 65.6% | 68.5% | 60.4% | 63.2% | 64.0% | 65.4% | 58.3% | 56.9% |
| █▅▃▃▅▁▁▅ | Cost of Funds (%) | 1.35% | 1.26% | 1.19% | 1.18% | 1.25% | 1.15% | 1.12% | 1.27% |
| ▁▁▁█▁▂▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.98% | 0.06% | 0.13% | 0.05% | 0.12% |
| ▁▁▁█▁▂▁▂ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 1.94% | 0.13% | 0.29% | 0.11% | 0.25% |
| ▄▁▃▄▇▇██ | Tang. Book Value ($M) | $7 | $5 | $6 | $7 | $9 | $9 | $9 | $10 |
| ▁█▅▃▃▃▁▂ | Gross Loans ($M) | $70 | $76 | $74 | $72 | $72 | $72 | $70 | $71 |
| ▁▆▃▃▁█▃▃ | Total Deposits ($M) | $125 | $142 | $132 | $132 | $127 | $151 | $134 | $131 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 48% |
| C&I / Commercial | 24% |
| Agricultural | 22% |
| Consumer | 5% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 34% |
| Interest-Bearing (core) | 49% |
| Brokered / Other | 17% |