Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.82% | -1.17 | 1.99% |
| Return on Equity (%) | ▼ | 6.20% | -8.92 | 15.12% |
| Net Interest Margin (%) | ▼ | 3.43% | -0.37 | 3.80% |
| Efficiency Ratio (%) | ▼ | 73.30% | +24.06 | 49.25% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.70 | $1 |
| Cost of Funds (%) | ▲ | 1.69% | -0.25 | 1.94% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $148 | +6.00 | $142 |
| Gross Loans ($M) | ▼ | $82 | -9.70 | $91 |
| Loan Growth YoY (%) | ▼ | 63.26% | -11.26 | 74.53% |
| Total Deposits ($M) | ▲ | $127 | +6.04 | $121 |
| Shareholders Equity ($M) | ▲ | $19 | +0.03 | $19 |
| Tang. Book Value ($M) | ▲ | $19 | +0.03 | $19 |
| Loan / Deposit Ratio (%) | ▼ | 63.26% | -11.26 | 74.53% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.47% | 0.31% | 1.15% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▂▆▆▆▁▁ | Net Interest Margin (%) | 3.93% | 3.90% | 3.50% | 3.80% | 3.80% | 3.77% | 3.40% | 3.43% |
| █▇▇█▇▆▅▁ | Return on Assets (%) | 1.99% | 1.75% | 1.80% | 1.99% | 1.76% | 1.59% | 1.55% | 0.82% |
| ▁▂▃▁▁▃▃█ | Efficiency Ratio (%) | 48.6% | 53.7% | 56.5% | 49.2% | 51.6% | 55.4% | 54.9% | 73.3% |
| ██▆▆▆▄▁▂ | Cost of Funds (%) | 2.07% | 2.13% | 1.93% | 1.94% | 1.96% | 1.83% | 1.56% | 1.69% |
| ██▄▁▁▁▁▁ | NPA / Assets (%) | 1.24% | 1.34% | 0.57% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▇█▄▁▁▁▁▁ | Net Charge-Off Ratio (%) | 1.77% | 2.06% | 0.92% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▄▆▆▆█▆ | Tang. Book Value ($M) | $18 | $18 | $19 | $19 | $19 | $19 | $20 | $19 |
| █▆▆▇▇▃▁▁ | Gross Loans ($M) | $94 | $90 | $90 | $91 | $91 | $85 | $81 | $82 |
| ▁▂▅▄▃▃█▆ | Total Deposits ($M) | $114 | $118 | $125 | $121 | $120 | $120 | $132 | $127 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 75% |
| C&I / Commercial | 16% |
| Agricultural | 8% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 6% |