Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.54% | +0.38 | 1.16% |
| Return on Equity (%) | ▲ | 9.11% | +1.22 | 7.89% |
| Net Interest Margin (%) | ▲ | 3.11% | +0.34 | 2.77% |
| Efficiency Ratio (%) | ▲ | 50.09% | -7.66 | 57.75% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.09 | $0 |
| Cost of Funds (%) | ▲ | 0.91% | -0.08 | 0.99% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $109 | -3.72 | $113 |
| Gross Loans ($M) | ▲ | $46 | +1.81 | $44 |
| Loan Growth YoY (%) | ▲ | 50.95% | +4.71 | 46.24% |
| Total Deposits ($M) | ▼ | $90 | -5.27 | $96 |
| Shareholders Equity ($M) | ▲ | $18 | +1.53 | $17 |
| Tang. Book Value ($M) | ▲ | $18 | +1.53 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +1.22 | $19 |
| Loan / Deposit Ratio (%) | ▲ | 50.95% | +4.71 | 46.24% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.47% | -0.05% | 0.52% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆██ | Net Interest Margin (%) | 2.43% | 2.47% | 2.67% | 2.77% | 2.83% | 2.90% | 3.04% | 3.11% |
| ▁▁▁▁▃▃██ | Return on Assets (%) | 1.15% | 1.13% | 1.12% | 1.16% | 1.25% | 1.25% | 1.52% | 1.54% |
| ▇▇██▆▇▁▁ | Efficiency Ratio (%) | 56.1% | 56.5% | 58.0% | 57.7% | 55.2% | 56.2% | 49.9% | 50.1% |
| ▅█▃▄▃▇▁▁ | Cost of Funds (%) | 1.02% | 1.09% | 0.97% | 0.99% | 0.97% | 1.06% | 0.91% | 0.91% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▂▁▃▄▆▇██ | Tang. Book Value ($M) | $16 | $15 | $16 | $17 | $18 | $18 | $18 | $18 |
| ▁▁▄▆▇███ | Gross Loans ($M) | $39 | $39 | $43 | $44 | $46 | $47 | $47 | $46 |
| ▅▂▆▆█▁▂▃ | Total Deposits ($M) | $94 | $89 | $95 | $96 | $100 | $86 | $89 | $90 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 50% |
| C&I / Commercial | 4% |
| Agricultural | 34% |
| Consumer | 4% |
| Other | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 3% |