Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.26% | +0.20 | 1.06% |
| Return on Equity (%) | ▼ | 8.37% | -0.57 | 8.94% |
| Net Interest Margin (%) | ▲ | 4.91% | +1.08 | 3.84% |
| Efficiency Ratio (%) | ▲ | 44.72% | -10.98 | 55.70% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.01 | $1 |
| Cost of Funds (%) | ▲ | 1.23% | -0.13 | 1.36% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $141 | +14.48 | $127 |
| Gross Loans ($M) | ▲ | $99 | +3.21 | $96 |
| Loan Growth YoY (%) | ▼ | 83.80% | -1.36 | 85.16% |
| Total Deposits ($M) | ▲ | $117 | +5.33 | $111 |
| Shareholders Equity ($M) | ▲ | $22 | +7.88 | $14 |
| Tang. Book Value ($M) | ▼ | $14 | -0.16 | $14 |
| Loan / Deposit Ratio (%) | ▼ | 83.80% | -1.36 | 85.16% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.02% | +0.00 | 0.02% |
| Allowance / Loans (%) | — | 1.05% | 0.24% | 0.81% |
| Net Charge-Off Ratio (%) | ▼ | 0.03% | +0.01 | 0.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▅▆▆▁▂██ | Net Interest Margin (%) | 3.43% | 3.49% | 3.72% | 3.84% | 1.69% | 2.50% | 4.86% | 4.91% |
| ▇▇█▇▁▅██ | Return on Assets (%) | 1.09% | 1.16% | 1.35% | 1.06% | -0.14% | 0.66% | 1.30% | 1.26% |
| ██▇▇▁▂▃▃ | Efficiency Ratio (%) | 62.0% | 61.1% | 56.6% | 55.7% | 36.4% | 42.3% | 43.3% | 44.7% |
| ████▁█▇▇ | Cost of Funds (%) | 1.60% | 1.54% | 1.32% | 1.36% | -1.10% | 1.35% | 1.16% | 1.23% |
| ▁▁▁▇▆███ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.02% | 0.01% | 0.02% | 0.02% | 0.02% |
| ▁▁▁▆▆███ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.02% | 0.02% | 0.03% | 0.03% | 0.03% |
| ▇▇█▆▁▂▄▆ | Tang. Book Value ($M) | $15 | $15 | $15 | $14 | $12 | $13 | $14 | $14 |
| ▁▄▄▅▅▇██ | Gross Loans ($M) | $90 | $95 | $95 | $96 | $95 | $97 | $99 | $99 |
| ▁▁▂▂███▅ | Total Deposits ($M) | $107 | $107 | $110 | $111 | $123 | $124 | $125 | $117 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 15% |
| Agricultural | 15% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 6% |