Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.56% | -0.03 | 1.59% |
| Return on Equity (%) | ▼ | 9.48% | -0.54 | 10.02% |
| Net Interest Margin (%) | ▲ | 3.58% | +0.01 | 3.58% |
| Efficiency Ratio (%) | ▲ | 44.61% | -3.71 | 48.32% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.08 | $1 |
| Cost of Funds (%) | ▲ | 1.63% | -0.02 | 1.65% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $128 | +9.57 | $119 |
| Gross Loans ($M) | ▲ | $70 | +5.45 | $64 |
| Loan Growth YoY (%) | ▲ | 64.26% | +0.55 | 63.71% |
| Total Deposits ($M) | ▲ | $107 | +7.62 | $99 |
| Shareholders Equity ($M) | ▲ | $21 | +1.95 | $19 |
| Tang. Book Value ($M) | ▲ | $21 | +1.95 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $23 | +1.80 | $22 |
| Loan / Deposit Ratio (%) | ▲ | 64.26% | +0.55 | 63.71% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.38% | -0.10% | 1.49% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▅▁▄█▄▃▅ | Net Interest Margin (%) | 3.57% | 3.58% | 3.53% | 3.58% | 3.64% | 3.58% | 3.57% | 3.58% |
| ▅▁███▆█▇ | Return on Assets (%) | 1.46% | 1.19% | 1.63% | 1.59% | 1.64% | 1.52% | 1.61% | 1.56% |
| ▆█▄▅▄▅▁▂ | Efficiency Ratio (%) | 49.4% | 52.2% | 46.5% | 48.3% | 46.3% | 48.3% | 42.7% | 44.6% |
| ▁▆▂▄██▂▂ | Cost of Funds (%) | 1.61% | 1.67% | 1.63% | 1.65% | 1.70% | 1.69% | 1.63% | 1.63% |
| ▁▁▁▁█▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▁█▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▃▁▂▄▆█▇█ | Tang. Book Value ($M) | $19 | $18 | $18 | $19 | $20 | $21 | $20 | $21 |
| ▁▃▂▄▅█▇▇ | Gross Loans ($M) | $59 | $64 | $62 | $64 | $66 | $72 | $70 | $70 |
| ▁▁▂▃▃▅██ | Total Deposits ($M) | $95 | $96 | $97 | $99 | $98 | $102 | $106 | $107 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 34% |
| C&I / Commercial | 5% |
| Agricultural | 58% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 36% |
| Interest-Bearing (core) | 50% |
| Brokered / Other | 13% |