Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.19% | +0.24 | 0.95% |
| Return on Equity (%) | ▲ | 9.79% | +0.43 | 9.36% |
| Net Interest Margin (%) | ▲ | 2.80% | +0.16 | 2.63% |
| Efficiency Ratio (%) | ▲ | 51.13% | -1.94 | 53.08% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.08 | $1 |
| Cost of Funds (%) | ▲ | 1.42% | -0.17 | 1.60% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $251 | -7.78 | $259 |
| Gross Loans ($M) | ▼ | $110 | -1.31 | $111 |
| Loan Growth YoY (%) | ▲ | 49.85% | +2.26 | 47.59% |
| Total Deposits ($M) | ▼ | $217 | -13.04 | $230 |
| Shareholders Equity ($M) | ▲ | $31 | +5.25 | $26 |
| Tang. Book Value ($M) | ▲ | $31 | +5.25 | $26 |
| TBV excl. AOCI ($M)** | ▲ | $37 | +4.89 | $32 |
| Loan / Deposit Ratio (%) | ▲ | 49.85% | +2.26 | 47.59% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.27% | 0.01% | 1.27% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▅▅▆█ | Net Interest Margin (%) | 2.47% | 2.51% | 2.55% | 2.63% | 2.64% | 2.68% | 2.70% | 2.80% |
| ▃▁▂▅▅▆██ | Return on Assets (%) | 0.85% | 0.70% | 0.81% | 0.95% | 0.98% | 1.01% | 1.15% | 1.19% |
| ▇█▆▂▂▄▃▁ | Efficiency Ratio (%) | 57.8% | 59.3% | 56.5% | 53.1% | 52.4% | 54.9% | 53.5% | 51.1% |
| █▆▄▅▆▄▂▁ | Cost of Funds (%) | 1.73% | 1.65% | 1.57% | 1.60% | 1.63% | 1.55% | 1.50% | 1.42% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▁▁▁▅█▆█ | Tang. Book Value ($M) | $28 | $26 | $26 | $26 | $29 | $31 | $29 | $31 |
| ▁▅▂▇▇█▆▅ | Gross Loans ($M) | $106 | $109 | $107 | $111 | $111 | $112 | $111 | $110 |
| ▅▆██▇▃▁▁ | Total Deposits ($M) | $224 | $226 | $229 | $230 | $228 | $221 | $218 | $217 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 75% |
| C&I / Commercial | 2% |
| Agricultural | 21% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 24% |