Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.93% | +0.16 | 0.77% |
| Return on Equity (%) | ▲ | 9.66% | +1.79 | 7.87% |
| Net Interest Margin (%) | ▲ | 3.92% | +0.18 | 3.74% |
| Efficiency Ratio (%) | ▲ | 70.34% | -3.98 | 74.31% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.11 | $0 |
| Cost of Funds (%) | ▲ | 1.67% | -0.21 | 1.88% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $120 | +13.04 | $107 |
| Gross Loans ($M) | ▲ | $73 | +0.87 | $72 |
| Loan Growth YoY (%) | ▼ | 68.34% | -8.64 | 76.98% |
| Total Deposits ($M) | ▲ | $105 | +12.85 | $93 |
| Shareholders Equity ($M) | ▲ | $11 | +0.69 | $11 |
| Tang. Book Value ($M) | ▲ | $11 | +0.69 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $12 | +0.66 | $12 |
| Loan / Deposit Ratio (%) | ▼ | 68.34% | -8.64 | 76.98% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.73% | -0.49 | 1.21% |
| Allowance / Loans (%) | — | 1.53% | 0.11% | 1.42% |
| Net Charge-Off Ratio (%) | ▲ | 1.19% | -0.52 | 1.71% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▆▇▆█ | Net Interest Margin (%) | 3.67% | 3.65% | 3.66% | 3.74% | 3.83% | 3.88% | 3.82% | 3.92% |
| ▁▁▂▃▆▆▆█ | Return on Assets (%) | 0.69% | 0.72% | 0.75% | 0.77% | 0.87% | 0.85% | 0.87% | 0.93% |
| ▇▆█▅▂▁▅▁ | Efficiency Ratio (%) | 75.9% | 75.4% | 77.1% | 74.3% | 71.2% | 70.3% | 74.5% | 70.3% |
| ▇█▇▇▅▄▁▂ | Cost of Funds (%) | 1.87% | 1.93% | 1.86% | 1.88% | 1.78% | 1.75% | 1.63% | 1.67% |
| ▃▅▃▅▇█▁▁ | NPA / Assets (%) | 1.04% | 1.24% | 0.97% | 1.21% | 1.53% | 1.65% | 0.79% | 0.73% |
| ▃▆▂▄▇█▁▁ | Net Charge-Off Ratio (%) | 1.58% | 1.98% | 1.48% | 1.71% | 2.14% | 2.43% | 1.23% | 1.19% |
| █▄▁▃▇██▇ | Tang. Book Value ($M) | $11 | $11 | $10 | $11 | $11 | $12 | $11 | $11 |
| ▁▃▄▇████ | Gross Loans ($M) | $67 | $69 | $70 | $72 | $73 | $73 | $73 | $73 |
| ▁▃▂▂▅▆██ | Total Deposits ($M) | $90 | $95 | $93 | $93 | $98 | $101 | $106 | $105 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 14% |
| Agricultural | 3% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 2% |