Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.80% | +0.04 | 1.76% |
| Return on Equity (%) | ▼ | 11.87% | -0.01 | 11.88% |
| Net Interest Margin (%) | ▲ | 3.58% | +0.10 | 3.48% |
| Efficiency Ratio (%) | ▲ | 41.58% | -0.58 | 42.16% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.13 | $2 |
| Cost of Funds (%) | ▼ | 1.26% | +0.02 | 1.23% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $337 | +21.72 | $315 |
| Gross Loans ($M) | ▼ | $154 | -6.96 | $161 |
| Loan Growth YoY (%) | ▼ | 53.21% | -6.34 | 59.55% |
| Total Deposits ($M) | ▲ | $286 | +18.91 | $267 |
| Shareholders Equity ($M) | ▲ | $50 | +2.84 | $48 |
| Tang. Book Value ($M) | ▲ | $50 | +2.84 | $48 |
| TBV excl. AOCI ($M)** | ▲ | $59 | +4.55 | $54 |
| Loan / Deposit Ratio (%) | ▼ | 53.21% | -6.34 | 59.55% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.01% | -0.00 | 0.02% |
| Allowance / Loans (%) | — | 1.10% | -0.01% | 1.11% |
| Net Charge-Off Ratio (%) | ▲ | 0.03% | -0.00 | 0.03% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▅▁▃▆███ | Net Interest Margin (%) | 3.52% | 3.52% | 3.43% | 3.48% | 3.54% | 3.59% | 3.57% | 3.58% |
| ▂▁▆▅▆▅▁█ | Return on Assets (%) | 1.71% | 1.70% | 1.77% | 1.76% | 1.76% | 1.75% | 1.69% | 1.80% |
| ▁▃▇▇▆█▆▅ | Efficiency Ratio (%) | 40.3% | 41.2% | 42.4% | 42.2% | 42.1% | 42.8% | 42.1% | 41.6% |
| ▅█▆▂▅▃▁▃ | Cost of Funds (%) | 1.30% | 1.37% | 1.31% | 1.23% | 1.30% | 1.25% | 1.19% | 1.26% |
| ██▇▇▅▄▂▁ | NPA / Assets (%) | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.01% | 0.01% | 0.01% |
| █▅█▆▂▁▂▂ | Net Charge-Off Ratio (%) | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% |
| ▁▁▂▃▆█▇█ | Tang. Book Value ($M) | $46 | $46 | $47 | $48 | $49 | $50 | $50 | $50 |
| ▇█▁▃▇▇▃▁ | Gross Loans ($M) | $170 | $173 | $155 | $161 | $168 | $170 | $159 | $154 |
| ▅▅▁▁▁▂▇█ | Total Deposits ($M) | $278 | $276 | $265 | $267 | $266 | $269 | $282 | $286 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 58% |
| C&I / Commercial | 13% |
| Agricultural | 25% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 81% |
| Brokered / Other | 9% |