Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.05% | +0.08 | 0.97% |
| Return on Equity (%) | ▼ | 8.07% | -0.40 | 8.47% |
| Net Interest Margin (%) | ▲ | 3.19% | +0.16 | 3.04% |
| Efficiency Ratio (%) | ▲ | 68.11% | -1.25 | 69.36% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.04 | $0 |
| Cost of Funds (%) | ▲ | 0.89% | -0.17 | 1.06% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $155 | +11.88 | $143 |
| Gross Loans ($M) | ▲ | $48 | +0.41 | $48 |
| Loan Growth YoY (%) | ▼ | 35.99% | -2.79 | 38.77% |
| Total Deposits ($M) | ▲ | $134 | +10.67 | $123 |
| Shareholders Equity ($M) | ▲ | $20 | +3.30 | $17 |
| Tang. Book Value ($M) | ▲ | $20 | +3.30 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +2.88 | $21 |
| Loan / Deposit Ratio (%) | ▼ | 35.99% | -2.79 | 38.77% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.04 | 0.04% |
| Allowance / Loans (%) | — | 0.73% | -0.01% | 0.75% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.12 | 0.12% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▅▆██ | Net Interest Margin (%) | 2.87% | 2.88% | 2.97% | 3.04% | 3.05% | 3.08% | 3.19% | 3.19% |
| ▄▁▇▆▆▆█▇ | Return on Assets (%) | 0.89% | 0.66% | 1.02% | 0.97% | 1.00% | 0.97% | 1.13% | 1.05% |
| ██▃▆▅▇▁▄ | Efficiency Ratio (%) | 70.2% | 70.7% | 67.7% | 69.4% | 68.5% | 69.7% | 66.0% | 68.1% |
| █▇▅▇▅▁▁▁ | Cost of Funds (%) | 1.11% | 1.06% | 1.01% | 1.06% | 1.00% | 0.89% | 0.87% | 0.89% |
| ▆███▁▇█▁ | NPA / Assets (%) | 0.03% | 0.04% | 0.04% | 0.04% | 0.00% | 0.04% | 0.04% | 0.00% |
| ▆██▇▁▇█▁ | Net Charge-Off Ratio (%) | 0.09% | 0.13% | 0.13% | 0.12% | 0.00% | 0.12% | 0.14% | 0.00% |
| ▄▁▂▃▆▇██ | Tang. Book Value ($M) | $18 | $16 | $17 | $17 | $19 | $20 | $20 | $20 |
| ▅▄▁▇▅▃▇█ | Gross Loans ($M) | $48 | $47 | $46 | $48 | $47 | $47 | $48 | $48 |
| ▂▃▄▁▃███ | Total Deposits ($M) | $126 | $127 | $128 | $123 | $126 | $133 | $133 | $134 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 13% |
| Agricultural | 12% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 45% |
| Interest-Bearing (core) | 42% |
| Brokered / Other | 13% |