Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.85% | -1.61 | 3.47% |
| Return on Equity (%) | ▼ | 10.61% | -10.18 | 20.79% |
| Net Interest Margin (%) | ▼ | 4.10% | -1.46 | 5.56% |
| Efficiency Ratio (%) | ▼ | 52.71% | +19.48 | 33.23% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.24 | $1 |
| Cost of Funds (%) | ▲ | 1.64% | -0.17 | 1.80% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $150 | +5.27 | $145 |
| Gross Loans ($M) | ▲ | $110 | +4.06 | $106 |
| Loan Growth YoY (%) | ▲ | 89.35% | +0.32 | 89.03% |
| Total Deposits ($M) | ▲ | $121 | +3.89 | $117 |
| Shareholders Equity ($M) | ▲ | $27 | +1.43 | $25 |
| Tang. Book Value ($M) | ▲ | $27 | +1.43 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +1.53 | $27 |
| Loan / Deposit Ratio (%) | ▲ | 89.35% | +0.32 | 89.03% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.54% | +1.50 | 1.04% |
| Allowance / Loans (%) | — | 1.70% | 0.13% | 1.57% |
| Net Charge-Off Ratio (%) | ▼ | 3.49% | +2.05 | 1.44% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁█▅▄▄▁▁ | Net Interest Margin (%) | 4.32% | 4.35% | 6.75% | 5.56% | 5.41% | 5.14% | 4.36% | 4.10% |
| ▁▁█▅▄▃▂▁ | Return on Assets (%) | 2.21% | 2.21% | 4.90% | 3.47% | 3.16% | 2.71% | 2.42% | 1.85% |
| ▆▇▁▄▄▅▆█ | Efficiency Ratio (%) | 44.5% | 44.9% | 20.9% | 33.2% | 34.1% | 39.2% | 41.4% | 52.7% |
| ▇█▅▆▆▃▁▁ | Cost of Funds (%) | 1.85% | 1.90% | 1.79% | 1.80% | 1.80% | 1.71% | 1.64% | 1.64% |
| ▄▃▂▄▁▁▁█ | NPA / Assets (%) | 1.20% | 0.88% | 0.41% | 1.04% | 0.05% | 0.01% | 0.12% | 2.54% |
| ▄▃▂▄▁▁▁█ | Net Charge-Off Ratio (%) | 1.71% | 1.24% | 0.56% | 1.44% | 0.07% | 0.02% | 0.16% | 3.49% |
| ▁▁▄▅▇▇██ | Tang. Book Value ($M) | $24 | $23 | $25 | $25 | $26 | $26 | $27 | $27 |
| ▁▃▅▃▄██▆ | Gross Loans ($M) | $103 | $106 | $108 | $106 | $107 | $113 | $112 | $110 |
| ▅▇▃▁▅█▆▅ | Total Deposits ($M) | $120 | $122 | $118 | $117 | $120 | $123 | $121 | $121 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 43% |
| C&I / Commercial | 7% |
| Agricultural | 43% |
| Consumer | 5% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 10% |