Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.70% | -0.07 | 0.76% |
| Return on Equity (%) | ▼ | 7.13% | -1.66 | 8.79% |
| Net Interest Margin (%) | ▲ | 3.92% | +0.14 | 3.78% |
| Efficiency Ratio (%) | ▼ | 79.22% | +3.05 | 76.17% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.05 | $0 |
| Cost of Funds (%) | ▲ | 2.97% | -0.41 | 3.39% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $114 | -4.45 | $118 |
| Gross Loans ($M) | ▼ | $90 | -4.49 | $95 |
| Loan Growth YoY (%) | ▲ | 88.69% | +0.13 | 88.56% |
| Total Deposits ($M) | ▼ | $100 | -5.31 | $106 |
| Shareholders Equity ($M) | ▲ | $11 | +1.14 | $10 |
| Tang. Book Value ($M) | ▲ | $11 | +1.14 | $10 |
| Loan / Deposit Ratio (%) | ▲ | 88.69% | +0.13 | 88.56% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.08% | +0.08 | 0.00% |
| Allowance / Loans (%) | — | 1.15% | 0.14% | 1.01% |
| Net Charge-Off Ratio (%) | ▼ | 0.10% | +0.10 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -12.68 | 12.68% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▃▂▄▄▅▅█ | Net Interest Margin (%) | 3.67% | 3.74% | 3.70% | 3.78% | 3.78% | 3.82% | 3.82% | 3.92% |
| ▄▁▆▇██▆▇ | Return on Assets (%) | 0.42% | -0.10% | 0.62% | 0.76% | 0.94% | 0.94% | 0.60% | 0.70% |
| █▆▆▃▁▁▆▅ | Efficiency Ratio (%) | 84.6% | 80.6% | 80.3% | 76.2% | 71.6% | 71.9% | 81.3% | 79.2% |
| █▇▅▅▅▃▁▁ | Cost of Funds (%) | 3.74% | 3.62% | 3.37% | 3.39% | 3.36% | 3.24% | 3.01% | 2.97% |
| █▁▁▁▁▂▁▁ | NPA / Assets (%) | 0.65% | 0.00% | 0.00% | 0.00% | 0.00% | 0.09% | 0.00% | 0.08% |
| █▁▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.81% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.10% |
| ▃▁▂▃▆▇██ | Tang. Book Value ($M) | $10 | $10 | $10 | $10 | $11 | $11 | $11 | $11 |
| ▁▆██▃▂▄▄ | Gross Loans ($M) | $86 | $92 | $94 | $95 | $89 | $88 | $90 | $90 |
| ▁▂▇██▅▅▅ | Total Deposits ($M) | $95 | $97 | $103 | $106 | $105 | $101 | $101 | $100 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 93% |
| C&I / Commercial | 6% |
| Agricultural | 1% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 18% |