Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.59% | +0.36 | 1.23% |
| Return on Equity (%) | ▲ | 8.36% | +1.55 | 6.81% |
| Net Interest Margin (%) | ▲ | 3.59% | +0.22 | 3.38% |
| Efficiency Ratio (%) | ▲ | 47.56% | -8.02 | 55.58% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.22 | $1 |
| Cost of Funds (%) | ▲ | 1.15% | -0.18 | 1.33% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $186 | +8.92 | $177 |
| Gross Loans ($M) | ▼ | $107 | -0.02 | $107 |
| Loan Growth YoY (%) | ▼ | 70.46% | -2.65 | 73.12% |
| Total Deposits ($M) | ▲ | $150 | +5.40 | $144 |
| Shareholders Equity ($M) | ▲ | $36 | +3.38 | $32 |
| Tang. Book Value ($M) | ▲ | $36 | +3.38 | $32 |
| TBV excl. AOCI ($M)** | ▲ | $38 | +3.33 | $35 |
| Loan / Deposit Ratio (%) | ▼ | 70.46% | -2.65 | 73.12% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.49% | +0.49 | 0.00% |
| Allowance / Loans (%) | — | 1.33% | -0.00% | 1.33% |
| Net Charge-Off Ratio (%) | ▼ | 0.86% | +0.86 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▄▅▅█▇ | Net Interest Margin (%) | 3.16% | 3.18% | 3.43% | 3.38% | 3.42% | 3.45% | 3.68% | 3.59% |
| ▁▁▄▄▅▄██ | Return on Assets (%) | 0.96% | 0.97% | 1.24% | 1.23% | 1.29% | 1.23% | 1.56% | 1.59% |
| ██▅▅▅▆▁▁ | Efficiency Ratio (%) | 62.0% | 62.8% | 55.4% | 55.6% | 54.8% | 57.8% | 45.8% | 47.6% |
| █▇▄▆▇▄▁▁ | Cost of Funds (%) | 1.40% | 1.34% | 1.26% | 1.33% | 1.36% | 1.25% | 1.13% | 1.15% |
| ▁▁▁▁▁▄▃█ | NPA / Assets (%) | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0.24% | 0.18% | 0.49% |
| ▁▁▁▁▁▄▃█ | Net Charge-Off Ratio (%) | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0.40% | 0.30% | 0.86% |
| ▂▁▁▂▅▆▆█ | Tang. Book Value ($M) | $32 | $32 | $32 | $32 | $34 | $35 | $34 | $36 |
| ▁▃█▅▇▆█▅ | Gross Loans ($M) | $102 | $105 | $111 | $107 | $109 | $108 | $110 | $107 |
| ▁▂▄▃▁▅▆█ | Total Deposits ($M) | $143 | $143 | $145 | $144 | $142 | $146 | $148 | $150 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 58% |
| C&I / Commercial | 16% |
| Agricultural | 22% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 1% |