Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.24% | +0.16 | 1.08% |
| Return on Equity (%) | ▲ | 12.66% | +0.30 | 12.36% |
| Net Interest Margin (%) | ▲ | 3.57% | +0.48 | 3.09% |
| Efficiency Ratio (%) | ▲ | 59.04% | -1.28 | 60.32% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.00 | $0 |
| Cost of Funds (%) | ▲ | 1.05% | -0.26 | 1.32% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $120 | -1.17 | $121 |
| Gross Loans ($M) | ▼ | $69 | -4.35 | $73 |
| Loan Growth YoY (%) | ▼ | 63.72% | -3.63 | 67.35% |
| Total Deposits ($M) | ▼ | $107 | -0.59 | $107 |
| Shareholders Equity ($M) | ▲ | $12 | +0.61 | $11 |
| Tang. Book Value ($M) | ▲ | $12 | +0.61 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +0.66 | $13 |
| Loan / Deposit Ratio (%) | ▼ | 63.72% | -3.63 | 67.35% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.90% | +0.01 | 0.89% |
| Allowance / Loans (%) | — | 1.31% | -0.03% | 1.33% |
| Net Charge-Off Ratio (%) | ▼ | 1.57% | +0.09 | 1.48% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.47% | +1.26 | 15.21% |
Noninterest income ($0.33M) is materially above the typical range relative to net interest income. This may include one-time items. Efficiency ratio may not reflect recurring earnings power.
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▄▇█ | Net Interest Margin (%) | 2.84% | 2.85% | 2.94% | 3.09% | 3.15% | 3.20% | 3.39% | 3.57% |
| ▁▂▃▅▇▇██ | Return on Assets (%) | 0.79% | 0.88% | 0.95% | 1.08% | 1.18% | 1.22% | 1.29% | 1.24% |
| █▇▃▂▁▁▁▁ | Efficiency Ratio (%) | 68.2% | 66.6% | 61.9% | 60.3% | 58.8% | 58.6% | 59.5% | 59.0% |
| █▇▇▇▆▃▁▁ | Cost of Funds (%) | 1.40% | 1.34% | 1.31% | 1.32% | 1.28% | 1.16% | 1.03% | 1.05% |
| ▆▃▃▃▃▁█▄ | NPA / Assets (%) | 0.96% | 0.88% | 0.90% | 0.89% | 0.90% | 0.83% | 1.01% | 0.90% |
| ▄▄▁▁▂▁█▃ | Net Charge-Off Ratio (%) | 1.60% | 1.61% | 1.50% | 1.48% | 1.52% | 1.48% | 1.75% | 1.57% |
| ▃▁▃▅▇███ | Tang. Book Value ($M) | $11 | $11 | $11 | $11 | $12 | $12 | $12 | $12 |
| █▄█▇▃▁▁▁ | Gross Loans ($M) | $74 | $71 | $75 | $73 | $71 | $69 | $69 | $69 |
| ▂█▄▂▁▃▁▁ | Total Deposits ($M) | $109 | $119 | $111 | $107 | $106 | $109 | $106 | $107 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 7% |
| Agricultural | 6% |
| Consumer | 1% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 82% |
| Brokered / Other | 3% |