Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.16% | -0.13 | 1.29% |
| Return on Equity (%) | ▼ | 14.26% | -5.08 | 19.34% |
| Net Interest Margin (%) | ▼ | 3.71% | -0.01 | 3.72% |
| Efficiency Ratio (%) | ▼ | 69.56% | +3.56 | 66.00% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.12 | $0 |
| Cost of Funds (%) | ▼ | 0.94% | +0.04 | 0.90% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $115 | +1.22 | $113 |
| Gross Loans ($M) | ▲ | $60 | +4.59 | $55 |
| Loan Growth YoY (%) | ▲ | 56.30% | +4.73 | 51.56% |
| Total Deposits ($M) | ▼ | $105 | -0.70 | $105 |
| Shareholders Equity ($M) | ▲ | $10 | +1.94 | $8 |
| Tang. Book Value ($M) | ▲ | $10 | +1.94 | $8 |
| TBV excl. AOCI ($M)** | ▲ | $12 | +1.95 | $10 |
| Loan / Deposit Ratio (%) | ▲ | 56.30% | +4.73 | 51.56% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.88% | +0.53 | 0.35% |
| Allowance / Loans (%) | — | 1.63% | -0.14% | 1.77% |
| Net Charge-Off Ratio (%) | ▼ | 1.69% | +0.97 | 0.72% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▂▅█▇▁▄ | Net Interest Margin (%) | 3.68% | 3.68% | 3.68% | 3.72% | 3.77% | 3.75% | 3.65% | 3.71% |
| ▂▁▂█▇▆▇▅ | Return on Assets (%) | 1.03% | 0.97% | 1.04% | 1.29% | 1.23% | 1.20% | 1.21% | 1.16% |
| ▆█▁▁▃▃▃▅ | Efficiency Ratio (%) | 70.8% | 73.0% | 66.6% | 66.0% | 67.8% | 68.5% | 67.8% | 69.6% |
| █▆▁▂▃▁▃▃ | Cost of Funds (%) | 1.06% | 1.00% | 0.88% | 0.90% | 0.93% | 0.87% | 0.92% | 0.94% |
| ▁▃▄▃▃▃█▆ | NPA / Assets (%) | 0.00% | 0.40% | 0.45% | 0.35% | 0.35% | 0.42% | 1.20% | 0.88% |
| ▁▃▄▃▃▃█▆ | Net Charge-Off Ratio (%) | 0.00% | 0.87% | 0.97% | 0.72% | 0.69% | 0.89% | 2.43% | 1.69% |
| ▄▁▁▂▅▇▇█ | Tang. Book Value ($M) | $8 | $7 | $8 | $8 | $9 | $10 | $9 | $10 |
| ▄▁▁▃▄▃▇█ | Gross Loans ($M) | $57 | $54 | $54 | $55 | $57 | $56 | $59 | $60 |
| ▁▇▇▄▁██▃ | Total Deposits ($M) | $102 | $108 | $108 | $105 | $103 | $109 | $110 | $105 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 64% |
| C&I / Commercial | 12% |
| Agricultural | 16% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 80% |
| Brokered / Other | 1% |