Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.28% | +0.58 | 0.69% |
| Return on Equity (%) | ▲ | 8.33% | +3.76 | 4.57% |
| Net Interest Margin (%) | ▲ | 2.35% | +0.33 | 2.02% |
| Efficiency Ratio (%) | ▲ | 56.09% | -12.29 | 68.38% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.20 | $0 |
| Cost of Funds (%) | ▲ | 1.09% | -0.26 | 1.36% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $176 | +16.53 | $159 |
| Gross Loans ($M) | ▲ | $25 | +0.05 | $25 |
| Loan Growth YoY (%) | ▼ | 16.52% | -1.74 | 18.26% |
| Total Deposits ($M) | ▲ | $148 | +14.66 | $134 |
| Shareholders Equity ($M) | ▲ | $26 | +1.74 | $25 |
| Tang. Book Value ($M) | ▲ | $26 | +1.74 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $33 | +2.24 | $30 |
| Loan / Deposit Ratio (%) | ▼ | 16.52% | -1.74 | 18.26% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.13% | -0.19% | 0.32% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.01 | 0.01% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▄▅▇█ | Net Interest Margin (%) | 1.78% | 1.81% | 1.95% | 2.02% | 2.06% | 2.14% | 2.27% | 2.35% |
| ▁▁▅▅▆▆██ | Return on Assets (%) | -0.26% | -0.17% | 0.65% | 0.69% | 0.77% | 0.73% | 1.26% | 1.28% |
| ▇█▆▅▄▅▁▁ | Efficiency Ratio (%) | 74.5% | 78.0% | 70.0% | 68.4% | 65.5% | 68.4% | 56.5% | 56.1% |
| █▇▅▆▅▄▁▁ | Cost of Funds (%) | 1.50% | 1.41% | 1.34% | 1.36% | 1.32% | 1.28% | 1.14% | 1.09% |
| ▂▁▁▁█▁▁▁ | NPA / Assets (%) | 0.01% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.00% | 0.00% |
| ▂▁▁▁█▁▁▁ | Net Charge-Off Ratio (%) | 0.03% | 0.02% | 0.03% | 0.01% | 0.24% | 0.02% | 0.00% | 0.00% |
| █▁▄▄█▇▇█ | Tang. Book Value ($M) | $27 | $23 | $25 | $25 | $26 | $26 | $26 | $26 |
| █▅▁▄▆▅▁▄ | Gross Loans ($M) | $28 | $25 | $22 | $25 | $26 | $25 | $23 | $25 |
| ▁▄▄▄▅▅▇█ | Total Deposits ($M) | $124 | $135 | $134 | $134 | $138 | $138 | $142 | $148 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 36% |
| C&I / Commercial | 18% |
| Agricultural | 35% |
| Consumer | 3% |
| Other | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 43% |
| Interest-Bearing (core) | 45% |
| Brokered / Other | 12% |