Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.11% | +0.36 | 0.75% |
| Return on Equity (%) | ▲ | 10.03% | +2.98 | 7.05% |
| Net Interest Margin (%) | ▲ | 2.94% | +0.35 | 2.59% |
| Efficiency Ratio (%) | ▲ | 60.30% | -9.30 | 69.60% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.18 | $0 |
| Cost of Funds (%) | ▲ | 1.79% | -0.18 | 1.97% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $153 | +8.03 | $145 |
| Gross Loans ($M) | ▼ | $74 | -4.48 | $79 |
| Loan Growth YoY (%) | ▼ | 54.15% | -6.32 | 60.47% |
| Total Deposits ($M) | ▲ | $135 | +6.69 | $128 |
| Shareholders Equity ($M) | ▲ | $17 | +1.31 | $16 |
| Tang. Book Value ($M) | ▲ | $17 | +1.31 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +1.89 | $18 |
| Loan / Deposit Ratio (%) | ▼ | 54.15% | -6.32 | 60.47% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.63% | 0.09% | 1.54% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▅▇█ | Net Interest Margin (%) | 2.29% | 2.31% | 2.56% | 2.59% | 2.65% | 2.66% | 2.79% | 2.94% |
| ▁▂▄▅▅▅▇█ | Return on Assets (%) | 0.36% | 0.50% | 0.68% | 0.75% | 0.79% | 0.79% | 0.97% | 1.11% |
| █▇▅▄▃▃▂▁ | Efficiency Ratio (%) | 83.2% | 78.7% | 71.8% | 69.6% | 67.9% | 68.1% | 63.2% | 60.3% |
| █▅▃▄▅▁▁▁ | Cost of Funds (%) | 2.22% | 2.05% | 1.89% | 1.97% | 2.04% | 1.83% | 1.78% | 1.79% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▅▇█▇█ | Tang. Book Value ($M) | $14 | $14 | $15 | $16 | $17 | $17 | $17 | $17 |
| ▆▇▄███▃▁ | Gross Loans ($M) | $77 | $78 | $77 | $79 | $79 | $79 | $76 | $74 |
| ▁▂▄▅▃▆██ | Total Deposits ($M) | $118 | $122 | $126 | $128 | $124 | $132 | $137 | $135 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 62% |
| C&I / Commercial | 6% |
| Agricultural | 29% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 8% |
| Interest-Bearing (core) | 83% |
| Brokered / Other | 9% |