Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.30% | +0.31 | 0.99% |
| Return on Equity (%) | ▲ | 11.28% | +2.00 | 9.28% |
| Net Interest Margin (%) | ▲ | 3.24% | +0.52 | 2.72% |
| Efficiency Ratio (%) | ▲ | 50.33% | -7.25 | 57.58% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.22 | $1 |
| Cost of Funds (%) | ▲ | 1.84% | -0.27 | 2.11% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $195 | +14.00 | $181 |
| Gross Loans ($M) | ▲ | $139 | +11.26 | $127 |
| Loan Growth YoY (%) | ▼ | 82.96% | -1.12 | 84.08% |
| Total Deposits ($M) | ▲ | $166 | +15.48 | $150 |
| Shareholders Equity ($M) | ▲ | $23 | +2.48 | $20 |
| Tang. Book Value ($M) | ▲ | $23 | +2.48 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +2.35 | $22 |
| Loan / Deposit Ratio (%) | ▼ | 82.96% | -1.12 | 84.08% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.15% | +0.15 | 0.00% |
| Allowance / Loans (%) | — | 0.87% | 0.00% | 0.87% |
| Net Charge-Off Ratio (%) | ▼ | 0.21% | +0.21 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 2.18% | 2.23% | 2.64% | 2.72% | 2.80% | 2.88% | 3.23% | 3.24% |
| ▁▁▅▅▅▆██ | Return on Assets (%) | 0.49% | 0.50% | 0.94% | 0.99% | 0.99% | 1.01% | 1.30% | 1.30% |
| ██▃▃▃▃▁▁ | Efficiency Ratio (%) | 75.0% | 73.9% | 58.9% | 57.6% | 58.0% | 57.8% | 50.7% | 50.3% |
| █▇▅▄▄▃▁▁ | Cost of Funds (%) | 2.50% | 2.37% | 2.23% | 2.11% | 2.15% | 2.02% | 1.82% | 1.84% |
| ▁▁▁▁█▆▁▄ | NPA / Assets (%) | 0.01% | 0.00% | 0.00% | 0.00% | 0.35% | 0.23% | 0.03% | 0.15% |
| ▁▁▁▁█▆▁▄ | Net Charge-Off Ratio (%) | 0.02% | 0.00% | 0.00% | 0.00% | 0.49% | 0.31% | 0.04% | 0.21% |
| ▂▁▂▄▅▆▇█ | Tang. Book Value ($M) | $20 | $19 | $20 | $20 | $21 | $22 | $22 | $23 |
| ▃▁▁▁▄▆▆█ | Gross Loans ($M) | $131 | $127 | $126 | $127 | $131 | $136 | $134 | $139 |
| ▁▃▃▁▂▃██ | Total Deposits ($M) | $148 | $154 | $154 | $150 | $152 | $154 | $165 | $166 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 6% |
| Agricultural | 7% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 80% |
| Brokered / Other | 8% |