Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.59% | -0.24 | 1.83% |
| Return on Equity (%) | ▼ | 18.82% | -3.17 | 21.99% |
| Net Interest Margin (%) | ▼ | 5.37% | -0.28 | 5.65% |
| Efficiency Ratio (%) | ▼ | 70.25% | +5.31 | 64.94% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.08 | $1 |
| Cost of Funds (%) | ▲ | 1.23% | -0.27 | 1.50% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $150 | +7.23 | $143 |
| Gross Loans ($M) | ▲ | $78 | +2.20 | $76 |
| Loan Growth YoY (%) | ▼ | 56.86% | -1.57 | 58.44% |
| Total Deposits ($M) | ▲ | $135 | +6.67 | $128 |
| Shareholders Equity ($M) | ▲ | $13 | +0.75 | $12 |
| Tang. Book Value ($M) | ▲ | $13 | +0.75 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +1.02 | $14 |
| Loan / Deposit Ratio (%) | ▼ | 56.86% | -1.57 | 58.44% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.78% | +0.60 | 0.18% |
| Allowance / Loans (%) | — | 1.91% | 0.50% | 1.41% |
| Net Charge-Off Ratio (%) | ▼ | 1.30% | +1.01 | 0.29% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▂▂▃▃▁▁ | Net Interest Margin (%) | 6.49% | 6.31% | 5.64% | 5.65% | 5.65% | 5.66% | 5.40% | 5.37% |
| █▆█▄▆▁▆▁ | Return on Assets (%) | 2.11% | 1.92% | 2.11% | 1.83% | 1.97% | 1.61% | 1.92% | 1.59% |
| ▁▂▁▅▄▄▅█ | Efficiency Ratio (%) | 56.5% | 58.8% | 57.6% | 64.9% | 63.3% | 62.6% | 64.5% | 70.3% |
| █▇█▇▆▃▁▁ | Cost of Funds (%) | 1.56% | 1.50% | 1.53% | 1.50% | 1.47% | 1.36% | 1.23% | 1.23% |
| ▅▂▁▁▂▁██ | NPA / Assets (%) | 0.53% | 0.32% | 0.19% | 0.18% | 0.28% | 0.25% | 0.81% | 0.78% |
| ▃▃▁▁▂▁██ | Net Charge-Off Ratio (%) | 0.60% | 0.57% | 0.32% | 0.29% | 0.50% | 0.30% | 1.39% | 1.30% |
| ▄▃▁▃▇█▃▆ | Tang. Book Value ($M) | $12 | $12 | $11 | $12 | $13 | $14 | $12 | $13 |
| ▁▂▂▅▅▅█▇ | Gross Loans ($M) | $72 | $73 | $74 | $76 | $76 | $77 | $80 | $78 |
| ▁▅▄▄▆██▇ | Total Deposits ($M) | $117 | $130 | $128 | $128 | $133 | $138 | $140 | $135 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 60% |
| C&I / Commercial | 24% |
| Agricultural | 8% |
| Consumer | 6% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 33% |
| Interest-Bearing (core) | 53% |
| Brokered / Other | 14% |