Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.89% | +0.02 | 0.87% |
| Return on Equity (%) | ▼ | 8.66% | -0.66 | 9.32% |
| Net Interest Margin (%) | ▼ | 3.28% | -0.19 | 3.46% |
| Efficiency Ratio (%) | ▲ | 71.97% | -1.88 | 73.85% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.01 | $0 |
| Cost of Funds (%) | ▲ | 1.39% | -0.05 | 1.44% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $120 | +2.76 | $117 |
| Gross Loans ($M) | ▼ | $47 | -5.11 | $52 |
| Loan Growth YoY (%) | ▼ | 43.63% | -5.64 | 49.27% |
| Total Deposits ($M) | ▲ | $107 | +1.86 | $105 |
| Shareholders Equity ($M) | ▲ | $13 | +1.00 | $12 |
| Tang. Book Value ($M) | ▲ | $11 | +1.00 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $13 | +1.03 | $12 |
| Loan / Deposit Ratio (%) | ▼ | 43.63% | -5.64 | 49.27% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.29% | +0.04 | 0.24% |
| Allowance / Loans (%) | — | 1.01% | 0.12% | 0.89% |
| Net Charge-Off Ratio (%) | ▼ | 0.73% | +0.18 | 0.54% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -18.26 | 18.26% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▃▂███▁▄ | Net Interest Margin (%) | 3.22% | 3.25% | 3.21% | 3.46% | 3.47% | 3.47% | 3.14% | 3.28% |
| ▄▄▁███▁█ | Return on Assets (%) | 0.74% | 0.73% | 0.65% | 0.87% | 0.89% | 0.89% | 0.63% | 0.89% |
| ▂▄█▂▁▁▇▁ | Efficiency Ratio (%) | 73.8% | 75.0% | 79.5% | 73.8% | 72.1% | 72.1% | 77.8% | 72.0% |
| ██▁▄▆▄▁▂ | Cost of Funds (%) | 1.60% | 1.59% | 1.36% | 1.44% | 1.51% | 1.46% | 1.34% | 1.39% |
| █▆▄▁▁▁▁▁ | NPA / Assets (%) | 1.51% | 1.10% | 0.86% | 0.24% | 0.23% | 0.23% | 0.22% | 0.29% |
| █▆▆▁▁▁▁▁ | Net Charge-Off Ratio (%) | 2.86% | 2.23% | 1.97% | 0.54% | 0.47% | 0.50% | 0.60% | 0.73% |
| ▃▁▂▅▆█▇█ | Tang. Book Value ($M) | $10 | $9 | $9 | $10 | $11 | $11 | $11 | $11 |
| █▇▅▅█▆▁▂ | Gross Loans ($M) | $58 | $55 | $51 | $52 | $56 | $54 | $45 | $47 |
| ▁▂▆▅▃▅█▆ | Total Deposits ($M) | $98 | $101 | $107 | $105 | $102 | $106 | $111 | $107 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 46% |
| C&I / Commercial | 11% |
| Agricultural | 38% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 9% |