Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.21% | -0.28 | 1.48% |
| Return on Equity (%) | ▼ | 14.36% | -3.42 | 17.78% |
| Net Interest Margin (%) | ▼ | 4.05% | -0.23 | 4.29% |
| Efficiency Ratio (%) | ▼ | 66.93% | +5.11 | 61.82% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.05 | $0 |
| Cost of Funds (%) | ▼ | 2.07% | +0.03 | 2.04% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $117 | +4.21 | $113 |
| Gross Loans ($M) | ▼ | $101 | -2.42 | $103 |
| Loan Growth YoY (%) | ▼ | 100.41% | -8.05 | 108.46% |
| Total Deposits ($M) | ▲ | $98 | +4.75 | $94 |
| Shareholders Equity ($M) | ▲ | $10 | +0.47 | $9 |
| Tang. Book Value ($M) | ▲ | $10 | +0.47 | $9 |
| Loan / Deposit Ratio (%) | ▼ | 100.41% | -8.05 | 108.46% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.05% | +0.01 | 0.04% |
| Allowance / Loans (%) | — | 1.71% | 0.38% | 1.33% |
| Net Charge-Off Ratio (%) | ▼ | 0.06% | +0.01 | 0.05% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 10.51% | +0.55 | 9.96% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▅▆▆▆▁▂ | Net Interest Margin (%) | 4.49% | 4.46% | 4.23% | 4.29% | 4.33% | 4.32% | 3.94% | 4.05% |
| ███▇▇▆▁▁ | Return on Assets (%) | 1.57% | 1.52% | 1.52% | 1.48% | 1.50% | 1.44% | 1.16% | 1.21% |
| ▁▂▁▁▁▂██ | Efficiency Ratio (%) | 61.5% | 62.2% | 61.1% | 61.8% | 61.1% | 62.0% | 67.3% | 66.9% |
| █▂▁▂█▃▂▂ | Cost of Funds (%) | 2.30% | 2.04% | 1.99% | 2.04% | 2.27% | 2.08% | 2.07% | 2.07% |
| ▄▁█▃▂▁▁▃ | NPA / Assets (%) | 0.08% | 0.00% | 0.15% | 0.04% | 0.04% | 0.00% | 0.00% | 0.05% |
| ▄▁█▃▂▁▁▃ | Net Charge-Off Ratio (%) | 0.09% | 0.00% | 0.18% | 0.05% | 0.04% | 0.00% | 0.00% | 0.06% |
| ▁▄▁▃▆█▅▆ | Tang. Book Value ($M) | $9 | $10 | $9 | $9 | $10 | $10 | $10 | $10 |
| ▅▁▂▇█▄▂▅ | Gross Loans ($M) | $100 | $92 | $95 | $103 | $107 | $99 | $94 | $101 |
| ▁▇▇▁▄█▆▆ | Total Deposits ($M) | $94 | $99 | $99 | $94 | $96 | $100 | $98 | $98 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 54% |
| C&I / Commercial | 6% |
| Agricultural | 38% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 19% |