Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.02% | -0.29 | 2.31% |
| Return on Equity (%) | ▼ | 15.43% | -1.48 | 16.91% |
| Net Interest Margin (%) | ▼ | 4.14% | -0.15 | 4.29% |
| Efficiency Ratio (%) | ▼ | 49.17% | +4.66 | 44.50% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.05 | $1 |
| Cost of Funds (%) | ▲ | 2.27% | -0.02 | 2.29% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $201 | +18.91 | $182 |
| Gross Loans ($M) | ▲ | $179 | +16.03 | $163 |
| Loan Growth YoY (%) | ▼ | 105.03% | -2.06 | 107.09% |
| Total Deposits ($M) | ▲ | $169 | +18.10 | $151 |
| Shareholders Equity ($M) | ▲ | $27 | +1.10 | $26 |
| Tang. Book Value ($M) | ▲ | $27 | +1.10 | $26 |
| Loan / Deposit Ratio (%) | ▼ | 105.03% | -2.06 | 107.09% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.39% | -0.87 | 1.26% |
| Allowance / Loans (%) | — | 0.72% | 0.01% | 0.71% |
| Net Charge-Off Ratio (%) | ▲ | 0.29% | -0.88 | 1.17% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▄▆▅▇▁▂ | Net Interest Margin (%) | 4.41% | 4.41% | 4.23% | 4.29% | 4.26% | 4.35% | 4.06% | 4.14% |
| █▅▅█▇▅▁▃ | Return on Assets (%) | 2.27% | 2.14% | 2.13% | 2.31% | 2.22% | 2.13% | 1.87% | 2.02% |
| ▃▅▄▁▂▄█▆ | Efficiency Ratio (%) | 46.7% | 48.2% | 48.0% | 44.5% | 46.3% | 47.6% | 51.8% | 49.2% |
| ▁▆▅█▅█▃▇ | Cost of Funds (%) | 2.16% | 2.25% | 2.24% | 2.29% | 2.24% | 2.29% | 2.20% | 2.27% |
| ▂▃▁█▇▂▂▁ | NPA / Assets (%) | 0.57% | 0.61% | 0.43% | 1.26% | 1.14% | 0.58% | 0.59% | 0.39% |
| ▂▁▁██▃▃▁ | Net Charge-Off Ratio (%) | 0.36% | 0.33% | 0.23% | 1.17% | 1.10% | 0.49% | 0.53% | 0.29% |
| ▅▁▃▆█▄▆█ | Tang. Book Value ($M) | $26 | $24 | $25 | $26 | $27 | $25 | $26 | $27 |
| ▁▁▂▃▇█▇█ | Gross Loans ($M) | $154 | $156 | $158 | $163 | $173 | $178 | $176 | $179 |
| ▁▂▂▂▅▆██ | Total Deposits ($M) | $146 | $150 | $149 | $151 | $159 | $165 | $172 | $169 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 10% |
| Agricultural | 4% |
| Consumer | 3% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 14% |