Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.25% | +0.19 | 1.06% |
| Return on Equity (%) | ▲ | 12.13% | +1.64 | 10.49% |
| Net Interest Margin (%) | ▲ | 3.69% | +0.42 | 3.27% |
| Efficiency Ratio (%) | ▲ | 64.20% | -1.52 | 65.72% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.16 | $0 |
| Cost of Funds (%) | ▲ | 1.77% | -0.28 | 2.05% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $146 | +10.18 | $136 |
| Gross Loans ($M) | ▲ | $100 | +4.53 | $95 |
| Loan Growth YoY (%) | ▼ | 77.55% | -3.47 | 81.02% |
| Total Deposits ($M) | ▲ | $127 | +10.88 | $116 |
| Shareholders Equity ($M) | ▲ | $15 | +0.83 | $14 |
| Tang. Book Value ($M) | ▲ | $15 | +0.83 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +0.84 | $16 |
| Loan / Deposit Ratio (%) | ▼ | 77.55% | -3.47 | 81.02% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.01 | 0.01% |
| Allowance / Loans (%) | — | 1.09% | 0.07% | 1.01% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.02 | 0.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 14.47% | -0.10 | 14.57% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▄▅██ | Net Interest Margin (%) | 3.11% | 3.10% | 3.17% | 3.27% | 3.34% | 3.40% | 3.62% | 3.69% |
| ▁▁▆▃▂▃▄█ | Return on Assets (%) | 0.97% | 0.96% | 1.16% | 1.06% | 1.02% | 1.05% | 1.09% | 1.25% |
| ██▁▄▆▆█▂ | Efficiency Ratio (%) | 68.4% | 68.3% | 63.0% | 65.7% | 67.0% | 66.5% | 68.2% | 64.2% |
| ██▇█▆▄▁▁ | Cost of Funds (%) | 2.06% | 2.03% | 2.02% | 2.05% | 1.98% | 1.90% | 1.77% | 1.77% |
| █▁▁▂▁▁▁▁ | NPA / Assets (%) | 0.10% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% |
| █▁▁▂▁▁▁▁ | Net Charge-Off Ratio (%) | 0.15% | 0.00% | 0.00% | 0.02% | 0.01% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▄▆▇▆█ | Tang. Book Value ($M) | $14 | $14 | $14 | $14 | $15 | $15 | $15 | $15 |
| ▁▄▄▆▇███ | Gross Loans ($M) | $87 | $92 | $93 | $95 | $97 | $100 | $99 | $100 |
| ▁▄▄▃▅███ | Total Deposits ($M) | $112 | $118 | $118 | $116 | $120 | $126 | $126 | $127 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 59% |
| C&I / Commercial | 32% |
| Agricultural | 6% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 9% |