Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.70% | +0.17 | 0.53% |
| Return on Equity (%) | ▲ | 7.14% | +1.29 | 5.85% |
| Net Interest Margin (%) | ▲ | 4.29% | +0.25 | 4.03% |
| Efficiency Ratio (%) | ▲ | 76.14% | -3.18 | 79.32% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.15 | $0 |
| Cost of Funds (%) | ▲ | 1.69% | -0.14 | 1.83% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $113 | +3.82 | $109 |
| Gross Loans ($M) | ▲ | $76 | +0.98 | $75 |
| Loan Growth YoY (%) | ▼ | 74.84% | -1.35 | 76.18% |
| Total Deposits ($M) | ▲ | $101 | +3.22 | $98 |
| Shareholders Equity ($M) | ▲ | $11 | +0.79 | $10 |
| Tang. Book Value ($M) | ▲ | $11 | +0.81 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $12 | +1.11 | $11 |
| Loan / Deposit Ratio (%) | ▼ | 74.84% | -1.35 | 76.18% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.29% | +0.53 | 0.76% |
| Allowance / Loans (%) | — | 0.75% | -0.16% | 0.90% |
| Net Charge-Off Ratio (%) | ▼ | 1.21% | +1.02 | 0.19% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▅▅▅█ | Net Interest Margin (%) | 3.66% | 3.73% | 3.98% | 4.03% | 4.04% | 4.03% | 4.04% | 4.29% |
| ▃▁▄▃▂▃▃█ | Return on Assets (%) | 0.55% | 0.46% | 0.57% | 0.53% | 0.51% | 0.52% | 0.53% | 0.70% |
| █▆▁▆▇█▇▁ | Efficiency Ratio (%) | 80.4% | 79.8% | 76.4% | 79.3% | 79.9% | 81.0% | 80.0% | 76.1% |
| █▆▄▃▃▂▁▁ | Cost of Funds (%) | 2.19% | 2.05% | 1.86% | 1.83% | 1.78% | 1.77% | 1.63% | 1.69% |
| ▄▁▁▁▂▁▄█ | NPA / Assets (%) | 0.97% | 0.76% | 0.79% | 0.76% | 0.89% | 0.80% | 1.03% | 1.29% |
| █▁▁▁▂▁▄▇ | Net Charge-Off Ratio (%) | 1.37% | 0.20% | 0.24% | 0.19% | 0.41% | 0.27% | 0.65% | 1.21% |
| ▂▁▃▄▆▇▇█ | Tang. Book Value ($M) | $10 | $10 | $10 | $10 | $11 | $11 | $11 | $11 |
| █▆▇▅▁▁▁▆ | Gross Loans ($M) | $78 | $76 | $77 | $75 | $72 | $71 | $72 | $76 |
| ▃▆▅▁▄▄██ | Total Deposits ($M) | $99 | $100 | $99 | $98 | $99 | $99 | $100 | $101 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 87% |
| C&I / Commercial | 8% |
| Agricultural | 1% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 10% |