Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.93% | -0.04 | 0.97% |
| Return on Equity (%) | ▲ | 7.06% | +0.09 | 6.97% |
| Net Interest Margin (%) | ▼ | 2.28% | -0.25 | 2.52% |
| Efficiency Ratio (%) | ▲ | 49.06% | -4.48 | 53.55% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $1 |
| Cost of Funds (%) | ▼ | 0.87% | +0.06 | 0.81% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $326 | +31.95 | $295 |
| Gross Loans ($M) | ▲ | $22 | +3.70 | $18 |
| Loan Growth YoY (%) | ▲ | 7.78% | +0.54 | 7.23% |
| Total Deposits ($M) | ▲ | $281 | +30.10 | $251 |
| Shareholders Equity ($M) | ▲ | $45 | +2.01 | $43 |
| Tang. Book Value ($M) | ▲ | $45 | +2.01 | $43 |
| TBV excl. AOCI ($M)** | ▲ | $54 | +1.96 | $53 |
| Loan / Deposit Ratio (%) | ▲ | 7.78% | +0.54 | 7.23% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.92% | -0.18% | 1.10% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 61.75% | +12.38 | 49.37% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▄▄▃▃▁▂ | Net Interest Margin (%) | 3.13% | 3.07% | 2.57% | 2.52% | 2.48% | 2.45% | 2.13% | 2.28% |
| █▇▂▂▂▂▁▂ | Return on Assets (%) | 1.48% | 1.31% | 0.92% | 0.97% | 0.92% | 0.90% | 0.80% | 0.93% |
| ▁▂█████▆ | Efficiency Ratio (%) | 38.3% | 41.0% | 53.8% | 53.5% | 53.6% | 53.7% | 52.4% | 49.1% |
| ▁▂█▇▆▆▆█ | Cost of Funds (%) | 0.60% | 0.66% | 0.87% | 0.81% | 0.80% | 0.79% | 0.79% | 0.87% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▇█████ | Tang. Book Value ($M) | $14 | $14 | $41 | $43 | $45 | $43 | $44 | $45 |
| ▁▁▆▇█▇██ | Gross Loans ($M) | $5 | $5 | $17 | $18 | $20 | $20 | $20 | $22 |
| ▁▁▆▆▇███ | Total Deposits ($M) | $147 | $129 | $251 | $251 | $256 | $289 | $293 | $281 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 59% |
| C&I / Commercial | 12% |
| Agricultural | 18% |
| Consumer | 11% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 10% |