Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.97% | +0.19 | 1.78% |
| Return on Equity (%) | ▲ | 19.16% | +0.52 | 18.64% |
| Net Interest Margin (%) | ▲ | 3.83% | +0.22 | 3.62% |
| Efficiency Ratio (%) | ▲ | 43.27% | -4.50 | 47.77% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.06 | $1 |
| Cost of Funds (%) | ▲ | 1.66% | -0.05 | 1.71% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $146 | +8.04 | $138 |
| Gross Loans ($M) | ▲ | $122 | +4.67 | $118 |
| Loan Growth YoY (%) | ▼ | 103.38% | -3.26 | 106.64% |
| Total Deposits ($M) | ▲ | $117 | +7.71 | $110 |
| Shareholders Equity ($M) | ▲ | $16 | +1.53 | $14 |
| Tang. Book Value ($M) | ▲ | $16 | +1.53 | $14 |
| Loan / Deposit Ratio (%) | ▼ | 103.38% | -3.26 | 106.64% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.84% | +0.84 | 0.00% |
| Allowance / Loans (%) | — | 0.85% | 0.20% | 0.65% |
| Net Charge-Off Ratio (%) | ▼ | 1.00% | +1.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▁▁▃▄▅██ | Net Interest Margin (%) | 3.56% | 3.52% | 3.49% | 3.62% | 3.66% | 3.70% | 3.87% | 3.83% |
| ▃▂▁▄▅▆██ | Return on Assets (%) | 1.76% | 1.71% | 1.63% | 1.78% | 1.84% | 1.88% | 2.02% | 1.97% |
| ▆▅█▆▅▄▁▁ | Efficiency Ratio (%) | 48.0% | 47.6% | 50.5% | 47.8% | 46.9% | 46.0% | 42.8% | 43.3% |
| ▇█▃▃▄▅▁▂ | Cost of Funds (%) | 1.85% | 1.89% | 1.69% | 1.71% | 1.74% | 1.78% | 1.61% | 1.66% |
| ▁▁▁▁▁▃██ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.30% | 0.80% | 0.84% |
| ▁▁▁▁▁▃██ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.35% | 0.96% | 1.00% |
| ▂▁▂▄▅▅▇█ | Tang. Book Value ($M) | $14 | $13 | $14 | $14 | $15 | $14 | $15 | $16 |
| ▁▂▂▁▅█▅▆ | Gross Loans ($M) | $118 | $119 | $119 | $118 | $122 | $125 | $122 | $122 |
| ▁▇█▃▁▇██ | Total Deposits ($M) | $106 | $115 | $118 | $110 | $105 | $116 | $118 | $117 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 10% |
| Agricultural | 19% |
| Consumer | 1% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 23% |