Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.66% | +0.49 | 1.17% |
| Return on Equity (%) | ▲ | 21.32% | +4.83 | 16.49% |
| Net Interest Margin (%) | ▲ | 4.77% | +0.01 | 4.77% |
| Efficiency Ratio (%) | ▲ | 60.80% | -9.96 | 70.76% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.18 | $0 |
| Cost of Funds (%) | ▼ | 1.95% | +0.05 | 1.89% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $114 | +5.36 | $108 |
| Gross Loans ($M) | ▲ | $86 | +6.04 | $80 |
| Loan Growth YoY (%) | ▲ | 81.47% | +2.58 | 78.89% |
| Total Deposits ($M) | ▲ | $104 | +4.19 | $100 |
| Shareholders Equity ($M) | ▲ | $9 | +1.24 | $8 |
| Tang. Book Value ($M) | ▲ | $9 | +1.24 | $8 |
| Loan / Deposit Ratio (%) | ▲ | 81.47% | +2.58 | 78.89% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.02% | +0.02 | 0.00% |
| Allowance / Loans (%) | — | 1.27% | -0.03% | 1.30% |
| Net Charge-Off Ratio (%) | ▼ | 0.03% | +0.03 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 11.53% | +0.39 | 11.14% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▆▇█▆▆ | Net Interest Margin (%) | 4.39% | 4.50% | 4.69% | 4.77% | 4.87% | 4.94% | 4.77% | 4.77% |
| ▁▂▁▁▄▆██ | Return on Assets (%) | 1.13% | 1.21% | 1.19% | 1.17% | 1.36% | 1.49% | 1.67% | 1.66% |
| █▇██▆▅▃▁ | Efficiency Ratio (%) | 70.8% | 69.6% | 71.0% | 70.8% | 67.5% | 66.3% | 63.4% | 60.8% |
| █▅▃▂▂▁▁▂ | Cost of Funds (%) | 2.39% | 2.11% | 1.97% | 1.89% | 1.89% | 1.85% | 1.82% | 1.95% |
| ▄▁▁▁▁▁█▂ | NPA / Assets (%) | 0.08% | 0.02% | 0.01% | 0.00% | 0.00% | 0.00% | 0.17% | 0.02% |
| ▄▁▁▁▁▁█▂ | Net Charge-Off Ratio (%) | 0.11% | 0.03% | 0.01% | 0.00% | 0.00% | 0.00% | 0.24% | 0.03% |
| ▁▁▁▂▅█▇█ | Tang. Book Value ($M) | $7 | $7 | $8 | $8 | $8 | $9 | $9 | $9 |
| ▂▁▁▃▄█▄█ | Gross Loans ($M) | $78 | $78 | $77 | $80 | $81 | $87 | $81 | $86 |
| ▂▂▁▅▆▅▇█ | Total Deposits ($M) | $96 | $96 | $95 | $100 | $101 | $100 | $103 | $104 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 14% |
| Agricultural | 11% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 13% |