Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.94% | +0.02 | 0.92% |
| Return on Equity (%) | ▼ | 10.00% | -0.62 | 10.62% |
| Net Interest Margin (%) | ▲ | 4.50% | +0.02 | 4.47% |
| Efficiency Ratio (%) | ▼ | 72.90% | +0.70 | 72.19% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.02 | $1 |
| Cost of Funds (%) | ▼ | 1.16% | +0.03 | 1.13% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $347 | +16.26 | $331 |
| Gross Loans ($M) | ▲ | $226 | +9.62 | $217 |
| Loan Growth YoY (%) | ▲ | 71.74% | +0.19 | 71.55% |
| Total Deposits ($M) | ▲ | $313 | +12.56 | $300 |
| Shareholders Equity ($M) | ▲ | $33 | +3.55 | $29 |
| Tang. Book Value ($M) | ▲ | $33 | +3.55 | $29 |
| TBV excl. AOCI ($M)** | ▲ | $36 | +3.44 | $32 |
| Loan / Deposit Ratio (%) | ▲ | 71.74% | +0.19 | 71.55% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.01% | +0.01 | 0.00% |
| Allowance / Loans (%) | — | 0.89% | -0.02% | 0.91% |
| Net Charge-Off Ratio (%) | ▼ | 0.01% | +0.01 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.87% | +0.63 | 14.24% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▆██▇▇ | Net Interest Margin (%) | 4.05% | 4.15% | 4.45% | 4.47% | 4.56% | 4.62% | 4.52% | 4.50% |
| ▁▂▆▇█▆▇▇ | Return on Assets (%) | 0.68% | 0.75% | 0.92% | 0.92% | 1.00% | 0.90% | 0.94% | 0.94% |
| █▇▂▂▁▄▃▃ | Efficiency Ratio (%) | 77.7% | 76.3% | 72.3% | 72.2% | 70.8% | 73.8% | 73.1% | 72.9% |
| █▄▁▂▄▃▁▃ | Cost of Funds (%) | 1.40% | 1.22% | 1.06% | 1.13% | 1.23% | 1.17% | 1.07% | 1.16% |
| ▆▁▁▁▁▃█▃ | NPA / Assets (%) | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.03% | 0.01% |
| ▆▁▁▁▁▃█▃ | Net Charge-Off Ratio (%) | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.04% | 0.01% |
| ▁▂▃▄▅▆▇█ | Tang. Book Value ($M) | $27 | $27 | $28 | $29 | $30 | $31 | $32 | $33 |
| ▁▁▃▄▇█▆▇ | Gross Loans ($M) | $202 | $204 | $210 | $217 | $224 | $231 | $222 | $226 |
| ▁▂▅▅▄▃▆█ | Total Deposits ($M) | $280 | $286 | $299 | $300 | $292 | $288 | $302 | $313 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 87% |
| C&I / Commercial | 10% |
| Agricultural | 1% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 33% |
| Interest-Bearing (core) | 59% |
| Brokered / Other | 8% |