Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.41% | +0.07 | 1.34% |
| Return on Equity (%) | ▼ | 14.00% | -0.94 | 14.94% |
| Net Interest Margin (%) | ▲ | 3.98% | +0.15 | 3.83% |
| Efficiency Ratio (%) | ▼ | 65.97% | +0.28 | 65.69% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.04 | $1 |
| Cost of Funds (%) | ▼ | 1.05% | +0.12 | 0.93% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $243 | +3.51 | $239 |
| Gross Loans ($M) | ▲ | $158 | +16.05 | $142 |
| Loan Growth YoY (%) | ▲ | 72.63% | +6.50 | 66.13% |
| Total Deposits ($M) | ▲ | $216 | +2.64 | $213 |
| Shareholders Equity ($M) | ▲ | $24 | +1.14 | $23 |
| Tang. Book Value ($M) | ▲ | $24 | +1.14 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +0.71 | $26 |
| Loan / Deposit Ratio (%) | ▲ | 72.63% | +6.50 | 66.13% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.00% | +0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.99% | 0.09% | 0.90% |
| Net Charge-Off Ratio (%) | ▼ | 0.00% | +0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 16.56% | -0.43 | 17.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▆▇███ | Net Interest Margin (%) | 3.39% | 3.48% | 3.66% | 3.83% | 3.93% | 4.03% | 4.00% | 3.98% |
| ▁▂▄▇██▇█ | Return on Assets (%) | 0.92% | 1.01% | 1.15% | 1.34% | 1.39% | 1.45% | 1.32% | 1.41% |
| █▇▅▃▁▁▄▃ | Efficiency Ratio (%) | 73.9% | 71.9% | 68.6% | 65.7% | 63.7% | 62.5% | 67.6% | 66.0% |
| █▇▂▁▁▁▂▃ | Cost of Funds (%) | 1.26% | 1.20% | 1.00% | 0.93% | 0.94% | 0.97% | 1.01% | 1.05% |
| ▁▁▁▄▁▁▁█ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▄▁▁▁█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▃▁▃▆████ | Tang. Book Value ($M) | $22 | $21 | $22 | $23 | $23 | $24 | $24 | $24 |
| ▂▁▁▃▆███ | Gross Loans ($M) | $138 | $133 | $134 | $142 | $149 | $158 | $155 | $158 |
| █▅█▄▃▁▁▆ | Total Deposits ($M) | $219 | $215 | $221 | $213 | $210 | $205 | $206 | $216 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 13% |
| Agricultural | 7% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 10% |