Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.70% | -0.12 | 2.82% |
| Return on Equity (%) | ▼ | 23.38% | -3.75 | 27.13% |
| Net Interest Margin (%) | ▲ | 5.19% | +0.02 | 5.17% |
| Efficiency Ratio (%) | ▼ | 47.89% | +2.83 | 45.06% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.06 | $1 |
| Cost of Funds (%) | ▲ | 2.10% | -0.21 | 2.31% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $181 | +11.87 | $169 |
| Gross Loans ($M) | ▲ | $161 | +15.40 | $145 |
| Loan Growth YoY (%) | ▲ | 102.03% | +3.64 | 98.39% |
| Total Deposits ($M) | ▲ | $157 | +10.49 | $146 |
| Shareholders Equity ($M) | ▲ | $21 | +1.40 | $19 |
| Tang. Book Value ($M) | ▲ | $21 | +1.40 | $19 |
| Loan / Deposit Ratio (%) | ▲ | 102.03% | +3.64 | 98.39% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.57% | +0.51 | 0.06% |
| Allowance / Loans (%) | — | 0.49% | -0.49% | 0.98% |
| Net Charge-Off Ratio (%) | ▼ | 0.64% | +0.57 | 0.07% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▅▁▂▃▄▃▃ | Net Interest Margin (%) | 5.77% | 5.43% | 4.97% | 5.17% | 5.27% | 5.32% | 5.26% | 5.19% |
| ▅▃▁▂▃█▁▁ | Return on Assets (%) | 3.05% | 2.91% | 2.76% | 2.82% | 2.90% | 3.29% | 2.73% | 2.70% |
| ▄▇▁▃▄▅██ | Efficiency Ratio (%) | 45.8% | 47.0% | 44.0% | 45.1% | 45.6% | 46.3% | 47.9% | 47.9% |
| ▁██▆▆▄▂▃ | Cost of Funds (%) | 1.91% | 2.55% | 2.54% | 2.31% | 2.31% | 2.22% | 2.05% | 2.10% |
| ▄▁▁▁▁█▇█ | NPA / Assets (%) | 0.26% | 0.07% | 0.06% | 0.06% | 0.00% | 0.64% | 0.51% | 0.57% |
| ▄▂▁▁▁███ | Net Charge-Off Ratio (%) | 0.30% | 0.10% | 0.07% | 0.07% | 0.00% | 0.69% | 0.61% | 0.64% |
| ▁▂▃▄▅▆▇█ | Tang. Book Value ($M) | $18 | $19 | $19 | $19 | $20 | $20 | $20 | $21 |
| ▁▁▃▃▄▇▆█ | Gross Loans ($M) | $138 | $140 | $145 | $145 | $149 | $157 | $152 | $161 |
| ▁█▃▂▂▂▄▄ | Total Deposits ($M) | $137 | $184 | $151 | $146 | $143 | $144 | $158 | $157 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 5% |
| Agricultural | 4% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 14% |