Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.78% | +0.12 | 0.66% |
| Return on Equity (%) | ▲ | 9.62% | +0.40 | 9.22% |
| Net Interest Margin (%) | ▲ | 3.65% | +0.35 | 3.31% |
| Efficiency Ratio (%) | ▲ | 77.40% | -1.91 | 79.31% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.04 | $0 |
| Cost of Funds (%) | ▲ | 1.30% | -0.07 | 1.37% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $117 | -0.69 | $117 |
| Gross Loans ($M) | ▼ | $83 | -3.65 | $87 |
| Loan Growth YoY (%) | ▼ | 89.83% | -3.62 | 93.45% |
| Total Deposits ($M) | ▼ | $92 | -0.38 | $92 |
| Shareholders Equity ($M) | ▲ | $10 | +0.93 | $9 |
| Tang. Book Value ($M) | ▲ | $10 | +0.93 | $9 |
| Loan / Deposit Ratio (%) | ▼ | 89.83% | -3.62 | 93.45% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.01% | 0.07% | 0.95% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -12.28 | 12.28% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▆██ | Net Interest Margin (%) | 2.98% | 3.07% | 3.24% | 3.31% | 3.39% | 3.46% | 3.64% | 3.65% |
| ▁▁▃▃▄▅██ | Return on Assets (%) | 0.60% | 0.61% | 0.65% | 0.66% | 0.68% | 0.71% | 0.77% | 0.78% |
| ██▆▆▆▄▁▁ | Efficiency Ratio (%) | 80.0% | 80.3% | 79.3% | 79.3% | 79.2% | 78.8% | 77.5% | 77.4% |
| ▇▅▂▅█▆▁▁ | Cost of Funds (%) | 1.41% | 1.38% | 1.33% | 1.37% | 1.44% | 1.39% | 1.29% | 1.30% |
| ███▁▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ███▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▃▅▇▇█ | Tang. Book Value ($M) | $8 | $8 | $8 | $9 | $9 | $9 | $9 | $10 |
| █▆▄▆█▇▃▁ | Gross Loans ($M) | $88 | $87 | $85 | $87 | $88 | $87 | $85 | $83 |
| █▃▄▅▃▁▃▄ | Total Deposits ($M) | $96 | $90 | $91 | $92 | $90 | $88 | $90 | $92 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 4% |
| Agricultural | 2% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 82% |
| Brokered / Other | 5% |