Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.98% | +0.09 | 0.89% |
| Return on Equity (%) | ▲ | 9.69% | +0.48 | 9.21% |
| Net Interest Margin (%) | ▲ | 3.04% | +0.11 | 2.93% |
| Efficiency Ratio (%) | ▲ | 69.15% | -1.22 | 70.37% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.08 | $0 |
| Cost of Funds (%) | ▲ | 1.61% | -0.01 | 1.62% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $116 | +6.22 | $109 |
| Gross Loans ($M) | ▼ | $48 | -0.59 | $49 |
| Loan Growth YoY (%) | ▼ | 46.14% | -3.37 | 49.50% |
| Total Deposits ($M) | ▲ | $103 | +5.77 | $97 |
| Shareholders Equity ($M) | ▲ | $11 | +0.48 | $11 |
| Tang. Book Value ($M) | ▲ | $11 | +0.48 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +0.98 | $13 |
| Loan / Deposit Ratio (%) | ▼ | 46.14% | -3.37 | 49.50% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.01% | -0.03 | 0.04% |
| Allowance / Loans (%) | — | 1.34% | 0.02% | 1.32% |
| Net Charge-Off Ratio (%) | ▲ | 0.04% | -0.06 | 0.09% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▇▇████ | Net Interest Margin (%) | 2.57% | 2.65% | 2.96% | 2.93% | 3.02% | 3.05% | 3.02% | 3.04% |
| ▁▁▆▆█▇▂█ | Return on Assets (%) | 0.70% | 0.68% | 0.92% | 0.89% | 1.00% | 0.94% | 0.76% | 0.98% |
| ▇█▄▃▁▃█▂ | Efficiency Ratio (%) | 74.7% | 76.0% | 71.1% | 70.4% | 67.8% | 70.5% | 75.2% | 69.1% |
| ▇▆▁▁██▃▁ | Cost of Funds (%) | 1.72% | 1.71% | 1.62% | 1.62% | 1.74% | 1.74% | 1.66% | 1.61% |
| ██▃▂▂▂▁▁ | NPA / Assets (%) | 0.12% | 0.12% | 0.04% | 0.04% | 0.04% | 0.03% | 0.02% | 0.01% |
| ██▃▂▂▂▁▁ | Net Charge-Off Ratio (%) | 0.28% | 0.26% | 0.10% | 0.09% | 0.09% | 0.08% | 0.05% | 0.04% |
| ▃▁▂▄▇█▅▇ | Tang. Book Value ($M) | $10 | $10 | $10 | $11 | $11 | $11 | $11 | $11 |
| ▁▄▇▇█▇▄▆ | Gross Loans ($M) | $46 | $47 | $48 | $49 | $49 | $49 | $47 | $48 |
| ▃▁▄▆▅▄▅█ | Total Deposits ($M) | $91 | $86 | $94 | $97 | $95 | $93 | $95 | $103 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 11% |
| Agricultural | 3% |
| Consumer | 3% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 6% |