Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.20% | +0.04 | 2.17% |
| Return on Equity (%) | ▼ | 21.11% | -0.19 | 21.30% |
| Net Interest Margin (%) | ▲ | 4.25% | +0.00 | 4.25% |
| Efficiency Ratio (%) | ▼ | 49.68% | +0.18 | 49.50% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.07 | $1 |
| Cost of Funds (%) | ▲ | 0.89% | -0.08 | 0.97% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $196 | +9.24 | $187 |
| Gross Loans ($M) | ▲ | $96 | +7.35 | $88 |
| Loan Growth YoY (%) | ▲ | 54.09% | +1.59 | 52.50% |
| Total Deposits ($M) | ▲ | $175 | +8.61 | $166 |
| Shareholders Equity ($M) | ▲ | $20 | +0.50 | $20 |
| Tang. Book Value ($M) | ▲ | $20 | +0.50 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +0.45 | $24 |
| Loan / Deposit Ratio (%) | ▲ | 54.09% | +1.59 | 52.50% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.09 | 0.09% |
| Allowance / Loans (%) | — | 1.07% | -0.04% | 1.11% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.19 | 0.19% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 19.01% | +0.10 | 18.92% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▅▆█▁▅ | Net Interest Margin (%) | 4.31% | 4.34% | 4.13% | 4.25% | 4.27% | 4.31% | 4.11% | 4.25% |
| ▄▁█▄▂▁▅▅ | Return on Assets (%) | 2.17% | 2.08% | 2.29% | 2.17% | 2.12% | 2.06% | 2.18% | 2.20% |
| ▃▆▁▄▄█▅▄ | Efficiency Ratio (%) | 48.9% | 50.5% | 47.9% | 49.5% | 49.5% | 51.8% | 49.9% | 49.7% |
| █▅▇██▅▂▁ | Cost of Funds (%) | 0.97% | 0.94% | 0.95% | 0.97% | 0.97% | 0.94% | 0.91% | 0.89% |
| ▁▁▁███▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.09% | 0.09% | 0.09% | 0.00% | 0.00% |
| ▁▁▁███▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.19% | 0.18% | 0.17% | 0.00% | 0.00% |
| ▁▁▄▅████ | Tang. Book Value ($M) | $19 | $19 | $20 | $20 | $20 | $21 | $20 | $20 |
| ▃▃▁▃▄█▄▆ | Gross Loans ($M) | $90 | $90 | $84 | $88 | $91 | $100 | $91 | $96 |
| ▁█▇▄▄███ | Total Deposits ($M) | $160 | $176 | $174 | $166 | $166 | $175 | $177 | $175 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 62% |
| C&I / Commercial | 15% |
| Agricultural | 20% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 5% |