Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.48% | -0.47 | 1.95% |
| Return on Equity (%) | ▼ | 12.94% | -7.22 | 20.16% |
| Net Interest Margin (%) | ▲ | 4.57% | +0.24 | 4.33% |
| Efficiency Ratio (%) | ▼ | 50.68% | +7.09 | 43.59% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.24 | $1 |
| Cost of Funds (%) | ▼ | 0.25% | +0.07 | 0.19% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $204 | -8.73 | $213 |
| Gross Loans ($M) | ▲ | $102 | +6.69 | $95 |
| Loan Growth YoY (%) | ▲ | 56.04% | +6.65 | 49.39% |
| Total Deposits ($M) | ▼ | $180 | -11.11 | $191 |
| Shareholders Equity ($M) | ▲ | $24 | +2.52 | $22 |
| Tang. Book Value ($M) | ▲ | $24 | +2.52 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +1.94 | $26 |
| Loan / Deposit Ratio (%) | ▲ | 56.04% | +6.65 | 49.39% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.51% | +0.06 | 0.45% |
| Allowance / Loans (%) | — | 1.47% | 0.15% | 1.32% |
| Net Charge-Off Ratio (%) | ▲ | 0.93% | -0.07 | 1.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▄▅▆██ | Net Interest Margin (%) | 4.09% | 4.19% | 4.26% | 4.33% | 4.34% | 4.40% | 4.52% | 4.57% |
| ▅▁█▇▅▂▆▂ | Return on Assets (%) | 1.77% | 1.29% | 2.06% | 1.95% | 1.68% | 1.43% | 1.81% | 1.48% |
| ▂█▁▂▁█▄█ | Efficiency Ratio (%) | 43.3% | 50.4% | 42.2% | 43.6% | 43.0% | 50.3% | 45.6% | 50.7% |
| ▂▂▁▁▃█▇█ | Cost of Funds (%) | 0.20% | 0.20% | 0.18% | 0.19% | 0.20% | 0.26% | 0.24% | 0.25% |
| ▃▁▁▂▆█▃▄ | NPA / Assets (%) | 0.49% | 0.41% | 0.38% | 0.45% | 0.59% | 0.69% | 0.48% | 0.51% |
| ▅▁▁▃▇█▂▂ | Net Charge-Off Ratio (%) | 1.17% | 0.85% | 0.80% | 1.00% | 1.29% | 1.41% | 0.92% | 0.93% |
| ▃▁▃▄█▇▇█ | Tang. Book Value ($M) | $21 | $19 | $21 | $22 | $24 | $23 | $23 | $24 |
| ▁▂▃▄▆▇██ | Gross Loans ($M) | $90 | $92 | $93 | $95 | $98 | $100 | $101 | $102 |
| █▄█▆▆▁▅▁ | Total Deposits ($M) | $195 | $187 | $194 | $191 | $190 | $180 | $188 | $180 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 12% |
| Agricultural | 1% |
| Consumer | 17% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 40% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 6% |