Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.60% | -0.06 | 0.65% |
| Return on Equity (%) | ▼ | 7.88% | -1.30 | 9.18% |
| Net Interest Margin (%) | ▲ | 2.99% | +0.18 | 2.81% |
| Efficiency Ratio (%) | ▼ | 83.40% | +4.42 | 78.98% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.10 | $0 |
| Cost of Funds (%) | ▲ | 1.42% | -0.27 | 1.69% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $274 | -2.36 | $276 |
| Gross Loans ($M) | ▼ | $175 | -3.62 | $179 |
| Loan Growth YoY (%) | ▼ | 69.48% | -0.44 | 69.92% |
| Total Deposits ($M) | ▼ | $249 | -3.14 | $252 |
| Shareholders Equity ($M) | ▲ | $22 | +1.72 | $20 |
| Tang. Book Value ($M) | ▲ | $22 | +1.72 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +1.89 | $24 |
| Loan / Deposit Ratio (%) | ▼ | 69.48% | -0.44 | 69.92% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.57% | +0.56 | 1.01% |
| Allowance / Loans (%) | — | 1.23% | -0.15% | 1.39% |
| Net Charge-Off Ratio (%) | ▼ | 2.46% | +0.89 | 1.57% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 17.44% | -0.29 | 17.73% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▆▇▇██ | Net Interest Margin (%) | 2.46% | 2.53% | 2.74% | 2.81% | 2.87% | 2.89% | 2.95% | 2.99% |
| ▁▂▇███▆▇ | Return on Assets (%) | 0.12% | 0.26% | 0.59% | 0.65% | 0.71% | 0.66% | 0.51% | 0.60% |
| █▆▂▁▁▁▆▅ | Efficiency Ratio (%) | 86.7% | 83.9% | 80.9% | 79.0% | 79.3% | 79.7% | 84.1% | 83.4% |
| █▇▄▄▃▁▁▁ | Cost of Funds (%) | 2.02% | 1.87% | 1.71% | 1.69% | 1.58% | 1.42% | 1.39% | 1.42% |
| ▁█▁▁▅▄▅▆ | NPA / Assets (%) | 0.95% | 1.94% | 0.95% | 1.01% | 1.46% | 1.34% | 1.54% | 1.57% |
| ▁█▁▁▅▅▆▆ | Net Charge-Off Ratio (%) | 1.42% | 2.89% | 1.47% | 1.57% | 2.28% | 2.20% | 2.47% | 2.46% |
| ▄▁▃▂█▆▆█ | Tang. Book Value ($M) | $20 | $19 | $20 | $20 | $22 | $21 | $21 | $22 |
| ██▄▂▁▁▁▁ | Gross Loans ($M) | $190 | $189 | $181 | $179 | $175 | $176 | $176 | $175 |
| ▁▅▅▂▁█▅▁ | Total Deposits ($M) | $249 | $257 | $257 | $252 | $249 | $264 | $257 | $249 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 9% |
| Agricultural | 1% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 7% |