Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.94% | +0.14 | 0.81% |
| Return on Equity (%) | ▲ | 8.84% | +0.75 | 8.09% |
| Net Interest Margin (%) | ▲ | 3.80% | +0.53 | 3.27% |
| Efficiency Ratio (%) | ▲ | 62.11% | -3.43 | 65.54% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.11 | $1 |
| Cost of Funds (%) | ▲ | 2.01% | -0.41 | 2.42% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $323 | -0.47 | $324 |
| Gross Loans ($M) | ▼ | $295 | -0.23 | $295 |
| Loan Growth YoY (%) | ▼ | 100.83% | -2.98 | 103.82% |
| Total Deposits ($M) | ▲ | $288 | +6.86 | $282 |
| Shareholders Equity ($M) | ▲ | $34 | +0.83 | $33 |
| Tang. Book Value ($M) | ▲ | $34 | +0.83 | $33 |
| Loan / Deposit Ratio (%) | ▼ | 100.83% | -2.98 | 103.82% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.88% | +0.61 | 0.26% |
| Allowance / Loans (%) | — | 1.42% | 0.43% | 1.00% |
| Net Charge-Off Ratio (%) | ▼ | 0.96% | +0.67 | 0.29% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▅▆██ | Net Interest Margin (%) | 3.03% | 3.09% | 3.04% | 3.27% | 3.46% | 3.54% | 3.71% | 3.80% |
| ▅▅▁▄▅▆█▅ | Return on Assets (%) | 0.94% | 1.00% | 0.34% | 0.81% | 1.01% | 1.17% | 1.45% | 0.94% |
| ▆▅█▅▂▁▂▂ | Efficiency Ratio (%) | 66.9% | 65.0% | 69.6% | 65.5% | 61.9% | 60.1% | 62.1% | 62.1% |
| ██▇▇▂▂▂▁ | Cost of Funds (%) | 2.50% | 2.54% | 2.45% | 2.42% | 2.11% | 2.12% | 2.10% | 2.01% |
| ▃▃▁▂▂▅▇█ | NPA / Assets (%) | 0.32% | 0.36% | 0.12% | 0.26% | 0.29% | 0.54% | 0.74% | 0.88% |
| ▃▂▁▂▂▅▇█ | Net Charge-Off Ratio (%) | 0.37% | 0.34% | 0.14% | 0.29% | 0.32% | 0.60% | 0.81% | 0.96% |
| ▁▁▁▂▄▇█▄ | Tang. Book Value ($M) | $32 | $33 | $32 | $33 | $34 | $35 | $36 | $34 |
| ▁▆▆▆▆██▆ | Gross Loans ($M) | $273 | $293 | $293 | $295 | $292 | $303 | $300 | $295 |
| ▄▇█▃▁▅▆▅ | Total Deposits ($M) | $286 | $294 | $300 | $282 | $273 | $288 | $291 | $288 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 12% |
| Agricultural | 2% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 11% |