Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.34% | -0.11 | 2.46% |
| Return on Equity (%) | ▼ | 14.96% | -2.41 | 17.37% |
| Net Interest Margin (%) | ▼ | 3.75% | -0.08 | 3.84% |
| Efficiency Ratio (%) | ▼ | 33.66% | +0.11 | 33.55% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.09 | $1 |
| Cost of Funds (%) | ▼ | 0.80% | +0.01 | 0.80% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $137 | -1.87 | $139 |
| Gross Loans ($M) | ▼ | $43 | -0.99 | $44 |
| Loan Growth YoY (%) | ▲ | 36.96% | +0.32 | 36.64% |
| Total Deposits ($M) | ▼ | $114 | -3.92 | $118 |
| Shareholders Equity ($M) | ▲ | $22 | +2.09 | $20 |
| Tang. Book Value ($M) | ▲ | $22 | +2.09 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +2.09 | $23 |
| Loan / Deposit Ratio (%) | ▲ | 36.96% | +0.32 | 36.64% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.33% | +0.33 | 0.00% |
| Allowance / Loans (%) | — | 2.53% | 0.24% | 2.29% |
| Net Charge-Off Ratio (%) | ▼ | 1.04% | +1.04 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▇▅▆▄▂▂█▁ | Net Interest Margin (%) | 3.91% | 3.86% | 3.89% | 3.84% | 3.78% | 3.80% | 3.94% | 3.75% |
| █▄▃▄▅▃▄▁ | Return on Assets (%) | 2.59% | 2.45% | 2.41% | 2.46% | 2.49% | 2.41% | 2.46% | 2.34% |
| ▁▄█▄▁▅▅▄ | Efficiency Ratio (%) | 31.5% | 33.5% | 35.8% | 33.5% | 32.0% | 33.8% | 33.7% | 33.7% |
| ▇█▄▄▆▅▁▅ | Cost of Funds (%) | 0.82% | 0.84% | 0.80% | 0.80% | 0.81% | 0.80% | 0.76% | 0.80% |
| ▁▁▁▁▁▁██ | NPA / Assets (%) | 0.03% | 0.03% | 0.02% | 0.00% | 0.00% | 0.00% | 0.33% | 0.33% |
| ▁▁▁▁▁▁▇█ | Net Charge-Off Ratio (%) | 0.12% | 0.09% | 0.06% | 0.00% | 0.01% | 0.00% | 0.84% | 1.04% |
| ▁▁▂▄▆▅▇█ | Tang. Book Value ($M) | $19 | $19 | $19 | $20 | $21 | $21 | $22 | $22 |
| ▁▅▅▂▂█▇▂ | Gross Loans ($M) | $40 | $50 | $51 | $44 | $44 | $59 | $55 | $43 |
| ▂▃▆██▄▃▁ | Total Deposits ($M) | $115 | $116 | $117 | $118 | $118 | $116 | $115 | $114 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 29% |
| C&I / Commercial | 11% |
| Agricultural | 56% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 36% |
| Interest-Bearing (core) | 53% |
| Brokered / Other | 11% |