Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.76% | -0.40 | 2.16% |
| Return on Equity (%) | ▼ | 26.44% | -10.31 | 36.75% |
| Net Interest Margin (%) | ▼ | 4.05% | -0.26 | 4.30% |
| Efficiency Ratio (%) | ▼ | 56.23% | +4.13 | 52.10% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.29 | $2 |
| Cost of Funds (%) | ▲ | 1.55% | -0.16 | 1.71% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $297 | -2.91 | $300 |
| Gross Loans ($M) | ▼ | $170 | -14.92 | $185 |
| Loan Growth YoY (%) | ▼ | 60.57% | -4.07 | 64.64% |
| Total Deposits ($M) | ▼ | $276 | -5.02 | $281 |
| Shareholders Equity ($M) | ▲ | $20 | +1.74 | $18 |
| Tang. Book Value ($M) | ▲ | $20 | +1.74 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +1.75 | $22 |
| Loan / Deposit Ratio (%) | ▼ | 60.57% | -4.07 | 64.64% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 3.86% | +3.17 | 0.69% |
| Allowance / Loans (%) | — | 1.47% | -0.13% | 1.60% |
| Net Charge-Off Ratio (%) | ▼ | 6.35% | +5.61 | 0.74% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▅▄█▅▅▁▂ | Net Interest Margin (%) | 4.16% | 4.16% | 4.14% | 4.30% | 4.17% | 4.17% | 3.99% | 4.05% |
| ▅▅▇█▅▅▁▂ | Return on Assets (%) | 1.94% | 1.91% | 2.09% | 2.16% | 1.97% | 1.92% | 1.66% | 1.76% |
| ▂▃▄▁▄▄█▆ | Efficiency Ratio (%) | 53.0% | 53.6% | 54.6% | 52.1% | 54.3% | 55.0% | 58.1% | 56.2% |
| █▅▃▃▃▃▁▁ | Cost of Funds (%) | 2.11% | 1.89% | 1.72% | 1.71% | 1.75% | 1.73% | 1.57% | 1.55% |
| ▃▁▁▁▇███ | NPA / Assets (%) | 1.50% | 0.79% | 0.67% | 0.69% | 3.50% | 3.72% | 3.97% | 3.86% |
| ▃▁▁▁████ | Net Charge-Off Ratio (%) | 2.45% | 1.32% | 1.16% | 0.74% | 5.95% | 6.02% | 6.46% | 6.35% |
| █▁▅▅▇▇▇█ | Tang. Book Value ($M) | $20 | $16 | $18 | $18 | $20 | $19 | $19 | $20 |
| ▃▂▂█▂▁▁▁ | Gross Loans ($M) | $173 | $171 | $171 | $185 | $171 | $168 | $168 | $170 |
| ▄▃▂▅█▁▁▃ | Total Deposits ($M) | $278 | $276 | $275 | $281 | $290 | $271 | $270 | $276 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 9% |
| Agricultural | 11% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 52% |
| Brokered / Other | 26% |