Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.03% | +0.53 | 0.49% |
| Return on Equity (%) | ▲ | 10.58% | +5.04 | 5.54% |
| Net Interest Margin (%) | ▲ | 4.01% | +0.44 | 3.57% |
| Efficiency Ratio (%) | ▲ | 62.06% | -1.86 | 63.92% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.28 | $1 |
| Cost of Funds (%) | ▲ | 1.72% | -0.12 | 1.84% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $221 | +0.17 | $221 |
| Gross Loans ($M) | ▲ | $163 | +6.39 | $157 |
| Loan Growth YoY (%) | ▼ | 84.90% | -2.08 | 86.99% |
| Total Deposits ($M) | ▲ | $190 | +11.45 | $178 |
| Shareholders Equity ($M) | ▲ | $22 | +1.95 | $20 |
| Tang. Book Value ($M) | ▲ | $22 | +1.95 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +1.74 | $23 |
| Loan / Deposit Ratio (%) | ▼ | 84.90% | -2.08 | 86.99% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.57% | +0.05 | 0.52% |
| Allowance / Loans (%) | — | 1.32% | 0.19% | 1.13% |
| Net Charge-Off Ratio (%) | ▼ | 0.77% | +0.04 | 0.73% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▅▇█ | Net Interest Margin (%) | 3.08% | 3.17% | 3.52% | 3.57% | 3.56% | 3.60% | 3.80% | 4.01% |
| ▁▁█▃▄▄▇█ | Return on Assets (%) | 0.17% | 0.26% | 1.08% | 0.49% | 0.60% | 0.55% | 0.89% | 1.03% |
| ▇█▁▂▃▄▃▁ | Efficiency Ratio (%) | 73.6% | 75.7% | 62.6% | 63.9% | 65.6% | 67.6% | 66.1% | 62.1% |
| ▇█▅██▆▁▃ | Cost of Funds (%) | 1.81% | 1.83% | 1.76% | 1.84% | 1.83% | 1.79% | 1.67% | 1.72% |
| ▁▁▃▂█▇▆▃ | NPA / Assets (%) | 0.33% | 0.38% | 0.56% | 0.52% | 1.19% | 1.05% | 0.90% | 0.57% |
| ▁▁▃▃█▇▅▃ | Net Charge-Off Ratio (%) | 0.41% | 0.52% | 0.77% | 0.73% | 1.69% | 1.45% | 1.19% | 0.77% |
| ▅▁▃▃▆▆▆█ | Tang. Book Value ($M) | $21 | $19 | $20 | $20 | $21 | $21 | $21 | $22 |
| ▁▂▅▄▄▆██ | Gross Loans ($M) | $152 | $154 | $159 | $157 | $157 | $160 | $162 | $163 |
| ▁▃▃▃▁▅██ | Total Deposits ($M) | $172 | $177 | $177 | $178 | $172 | $183 | $189 | $190 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 8% |
| Agricultural | 18% |
| Consumer | 2% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 9% |