Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.21% | +0.03 | 1.18% |
| Return on Equity (%) | ▼ | 11.79% | -0.58 | 12.37% |
| Net Interest Margin (%) | ▲ | 4.55% | +0.13 | 4.42% |
| Efficiency Ratio (%) | ▼ | 59.35% | +2.76 | 56.59% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.12 | $1 |
| Cost of Funds (%) | ▲ | 2.32% | -0.22 | 2.54% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $247 | +8.35 | $239 |
| Gross Loans ($M) | ▼ | $207 | -1.45 | $208 |
| Loan Growth YoY (%) | ▼ | 92.64% | -4.29 | 96.93% |
| Total Deposits ($M) | ▲ | $220 | +8.41 | $212 |
| Shareholders Equity ($M) | ▲ | $26 | +2.71 | $24 |
| Tang. Book Value ($M) | ▲ | $26 | +2.71 | $24 |
| Loan / Deposit Ratio (%) | ▼ | 92.64% | -4.29 | 96.93% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.40% | -0.67 | 2.08% |
| Allowance / Loans (%) | — | 1.19% | -0.07% | 1.26% |
| Net Charge-Off Ratio (%) | ▲ | 1.38% | -1.00 | 2.38% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▇▇▇██ | Net Interest Margin (%) | 4.01% | 4.08% | 4.35% | 4.42% | 4.46% | 4.48% | 4.50% | 4.55% |
| ▄▅▅█▁▃██ | Return on Assets (%) | 0.97% | 1.03% | 1.02% | 1.18% | 0.79% | 0.94% | 1.23% | 1.21% |
| ██▃▁▁▂▂▄ | Efficiency Ratio (%) | 62.3% | 63.0% | 59.0% | 56.6% | 56.8% | 58.1% | 58.0% | 59.4% |
| ██▅▃▄▃▁▁ | Cost of Funds (%) | 2.93% | 2.89% | 2.64% | 2.54% | 2.57% | 2.54% | 2.37% | 2.32% |
| ▁▁▅█▅▆▃▅ | NPA / Assets (%) | 0.64% | 0.63% | 1.44% | 2.08% | 1.53% | 1.70% | 1.15% | 1.40% |
| ▁▁▅█▄▅▂▄ | Net Charge-Off Ratio (%) | 0.74% | 0.71% | 1.66% | 2.38% | 1.53% | 1.65% | 1.04% | 1.38% |
| ▂▁▂▃▄▆▇█ | Tang. Book Value ($M) | $23 | $22 | $23 | $24 | $24 | $25 | $25 | $26 |
| ▁▁▂▃███▂ | Gross Loans ($M) | $205 | $205 | $207 | $208 | $214 | $214 | $215 | $207 |
| ▁▁▂▁▅▅█▆ | Total Deposits ($M) | $213 | $212 | $214 | $212 | $219 | $220 | $225 | $220 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 26% |
| Agricultural | 1% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 28% |