Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.69% | +0.11 | 0.58% |
| Return on Equity (%) | ▲ | 5.70% | +0.08 | 5.62% |
| Net Interest Margin (%) | ▲ | 3.68% | +0.20 | 3.48% |
| Efficiency Ratio (%) | ▲ | 69.86% | -4.63 | 74.49% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.08 | $0 |
| Cost of Funds (%) | ▲ | 1.11% | -0.20 | 1.31% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $138 | -3.21 | $142 |
| Gross Loans ($M) | ▲ | $70 | +2.14 | $67 |
| Loan Growth YoY (%) | ▲ | 56.34% | +4.07 | 52.27% |
| Total Deposits ($M) | ▼ | $120 | -5.50 | $125 |
| Shareholders Equity ($M) | ▲ | $17 | +2.06 | $15 |
| Tang. Book Value ($M) | ▲ | $17 | +2.06 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +2.10 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 56.34% | +4.07 | 52.27% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.10% | +1.33 | 0.77% |
| Allowance / Loans (%) | — | 2.98% | 0.11% | 2.87% |
| Net Charge-Off Ratio (%) | ▼ | 4.17% | +2.55 | 1.63% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▆▇█▇█ | Net Interest Margin (%) | 3.14% | 3.12% | 3.37% | 3.48% | 3.58% | 3.63% | 3.58% | 3.68% |
| ▁▁▁▂▄█▇▇ | Return on Assets (%) | 0.57% | 0.55% | 0.57% | 0.58% | 0.62% | 0.73% | 0.69% | 0.69% |
| ▇▃▇█▅▁▃▃ | Efficiency Ratio (%) | 73.4% | 69.7% | 73.2% | 74.5% | 71.7% | 68.0% | 69.9% | 69.9% |
| ██▅▆▃▄▁▁ | Cost of Funds (%) | 1.38% | 1.41% | 1.30% | 1.31% | 1.20% | 1.23% | 1.15% | 1.11% |
| █▂▁▃▆▂██ | NPA / Assets (%) | 2.27% | 0.58% | 0.25% | 0.77% | 1.62% | 0.53% | 2.06% | 2.10% |
| █▂▁▃▆▂█▇ | Net Charge-Off Ratio (%) | 4.73% | 1.26% | 0.56% | 1.63% | 3.41% | 1.13% | 4.22% | 4.17% |
| ▃▁▁▃▆▇▇█ | Tang. Book Value ($M) | $15 | $14 | $15 | $15 | $16 | $17 | $17 | $17 |
| █▁▁▃▆▂▇▇ | Gross Loans ($M) | $70 | $67 | $66 | $67 | $69 | $67 | $70 | $70 |
| █▇█▄▇▃▄▁ | Total Deposits ($M) | $130 | $129 | $131 | $125 | $129 | $124 | $125 | $120 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 40% |
| C&I / Commercial | 27% |
| Agricultural | 11% |
| Consumer | 22% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 31% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 9% |