Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.05% | -0.16 | 1.21% |
| Return on Equity (%) | ▼ | 14.97% | -3.50 | 18.47% |
| Net Interest Margin (%) | ▲ | 3.51% | +0.21 | 3.30% |
| Efficiency Ratio (%) | ▲ | 55.75% | -2.06 | 57.82% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.18 | $1 |
| Cost of Funds (%) | ▲ | 2.38% | -0.35 | 2.73% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $162 | +8.89 | $153 |
| Gross Loans ($M) | ▲ | $122 | +3.30 | $118 |
| Loan Growth YoY (%) | ▼ | 98.64% | -4.39 | 103.02% |
| Total Deposits ($M) | ▲ | $122 | +8.01 | $114 |
| Shareholders Equity ($M) | ▲ | $11 | +1.19 | $10 |
| Tang. Book Value ($M) | ▲ | $11 | +1.19 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $13 | +1.33 | $11 |
| Loan / Deposit Ratio (%) | ▼ | 98.64% | -4.39 | 103.02% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.98% | +1.79 | 0.19% |
| Allowance / Loans (%) | — | 1.37% | 0.29% | 1.08% |
| Net Charge-Off Ratio (%) | ▼ | 2.63% | +2.39 | 0.24% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 10.82% | +0.78 | 10.04% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▄▅▆▅█ | Net Interest Margin (%) | 3.18% | 3.15% | 3.34% | 3.30% | 3.35% | 3.38% | 3.35% | 3.51% |
| ▆▆████▁▇ | Return on Assets (%) | 0.93% | 0.95% | 1.17% | 1.21% | 1.24% | 1.26% | 0.33% | 1.05% |
| ██▇▄▃▄█▁ | Efficiency Ratio (%) | 60.2% | 59.8% | 59.2% | 57.8% | 57.3% | 57.5% | 60.4% | 55.8% |
| ██▇▆▇▅▄▁ | Cost of Funds (%) | 2.88% | 2.87% | 2.77% | 2.73% | 2.79% | 2.65% | 2.62% | 2.38% |
| ▁▂▁▁▁▁██ | NPA / Assets (%) | 0.34% | 0.41% | 0.10% | 0.19% | 0.17% | 0.18% | 2.08% | 1.98% |
| ▁▂▁▁▁▁██ | Net Charge-Off Ratio (%) | 0.44% | 0.53% | 0.13% | 0.24% | 0.16% | 0.16% | 2.64% | 2.63% |
| ▁▁▃▄▇█▇█ | Tang. Book Value ($M) | $9 | $9 | $10 | $10 | $11 | $11 | $11 | $11 |
| ▁▃▃▆▆▇██ | Gross Loans ($M) | $109 | $113 | $114 | $118 | $118 | $120 | $123 | $122 |
| ▁▁▃▂▄▅▇█ | Total Deposits ($M) | $113 | $112 | $115 | $114 | $116 | $117 | $120 | $122 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 7% |
| Agricultural | 2% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 47% |
| Brokered / Other | 31% |