Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.00% | +0.10 | 0.90% |
| Return on Equity (%) | ▲ | 7.24% | +0.44 | 6.80% |
| Net Interest Margin (%) | ▲ | 3.48% | +0.16 | 3.32% |
| Efficiency Ratio (%) | ▲ | 62.45% | -0.90 | 63.35% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.03 | $0 |
| Cost of Funds (%) | ▼ | 1.56% | +0.11 | 1.46% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $122 | +1.27 | $121 |
| Gross Loans ($M) | ▲ | $79 | +0.62 | $79 |
| Loan Growth YoY (%) | ▼ | 76.36% | -0.96 | 77.32% |
| Total Deposits ($M) | ▲ | $103 | +2.07 | $101 |
| Shareholders Equity ($M) | ▲ | $17 | +0.67 | $16 |
| Tang. Book Value ($M) | ▲ | $16 | +0.67 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +0.65 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 76.36% | -0.96 | 77.32% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.29% | -0.01% | 1.30% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -17.09 | 17.09% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆▇█ | Net Interest Margin (%) | 3.07% | 3.08% | 3.24% | 3.32% | 3.36% | 3.36% | 3.39% | 3.48% |
| ▁▂▂▅▅▆▆█ | Return on Assets (%) | 0.78% | 0.83% | 0.82% | 0.90% | 0.91% | 0.93% | 0.93% | 1.00% |
| █▇▇▂▂▃▄▁ | Efficiency Ratio (%) | 66.6% | 66.1% | 66.0% | 63.3% | 63.3% | 63.6% | 64.1% | 62.4% |
| ▆▅▃▁▄█▇█ | Cost of Funds (%) | 1.53% | 1.52% | 1.49% | 1.46% | 1.51% | 1.57% | 1.55% | 1.56% |
| █▁▁▁▁▁▁▁ | NPA / Assets (%) | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▄▆█▇█ | Tang. Book Value ($M) | $15 | $14 | $15 | $15 | $15 | $16 | $15 | $16 |
| ▇█▅▄▁▄▆▅ | Gross Loans ($M) | $81 | $82 | $80 | $79 | $77 | $79 | $80 | $79 |
| ▁█▆▁▁▃█▅ | Total Deposits ($M) | $100 | $105 | $103 | $101 | $100 | $102 | $104 | $103 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 12% |
| Agricultural | 9% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 9% |