Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.52% | -0.40 | 1.92% |
| Return on Equity (%) | ▼ | 15.70% | -5.30 | 21.00% |
| Net Interest Margin (%) | ▼ | 3.14% | -0.25 | 3.39% |
| Efficiency Ratio (%) | ▼ | 52.74% | +11.80 | 40.94% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.47 | $1 |
| Cost of Funds (%) | ▲ | 1.75% | -0.04 | 1.79% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $286 | +27.25 | $259 |
| Gross Loans ($M) | ▼ | $96 | -0.30 | $97 |
| Loan Growth YoY (%) | ▼ | 42.26% | -4.44 | 46.70% |
| Total Deposits ($M) | ▲ | $223 | +20.23 | $203 |
| Shareholders Equity ($M) | ▲ | $27 | +3.86 | $24 |
| Tang. Book Value ($M) | ▲ | $27 | +3.86 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $35 | +5.24 | $29 |
| Loan / Deposit Ratio (%) | ▼ | 42.26% | -4.44 | 46.70% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 2.04% | 0.17% | 1.86% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ███▇▇█▁▁ | Net Interest Margin (%) | 3.43% | 3.44% | 3.42% | 3.39% | 3.39% | 3.41% | 3.15% | 3.14% |
| ▅▃█▇▆▆▇▁ | Return on Assets (%) | 1.79% | 1.70% | 2.00% | 1.92% | 1.88% | 1.85% | 1.93% | 1.52% |
| ▄▆▁▁▂▄▁█ | Efficiency Ratio (%) | 44.8% | 48.0% | 39.6% | 40.9% | 42.1% | 45.0% | 40.6% | 52.7% |
| ▃█▁█▄▆▂▆ | Cost of Funds (%) | 1.69% | 1.79% | 1.64% | 1.79% | 1.69% | 1.74% | 1.66% | 1.75% |
| ██▇▁▁▁▁▁ | NPA / Assets (%) | 0.86% | 0.82% | 0.65% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ██▇▁▁▁▁▁ | Net Charge-Off Ratio (%) | 2.11% | 1.87% | 1.74% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▃▁▂▁▅█▇█ | Tang. Book Value ($M) | $24 | $23 | $23 | $23 | $25 | $27 | $26 | $27 |
| ▅█▂▁▅▇▄▁ | Gross Loans ($M) | $104 | $110 | $98 | $97 | $104 | $107 | $103 | $96 |
| ▁▂▁▁▁▇██ | Total Deposits ($M) | $206 | $207 | $206 | $203 | $205 | $221 | $225 | $223 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 55% |
| C&I / Commercial | 20% |
| Agricultural | 23% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 13% |