Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.83% | +0.51 | 0.32% |
| Return on Equity (%) | ▲ | 8.25% | +4.88 | 3.37% |
| Net Interest Margin (%) | ▲ | 3.42% | +0.59 | 2.83% |
| Efficiency Ratio (%) | ▲ | 69.52% | -16.53 | 86.05% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.38 | $0 |
| Cost of Funds (%) | ▲ | 2.21% | -0.14 | 2.35% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $251 | +5.92 | $245 |
| Gross Loans ($M) | ▲ | $176 | +3.51 | $173 |
| Loan Growth YoY (%) | ▲ | 93.38% | +0.22 | 93.16% |
| Total Deposits ($M) | ▲ | $187 | +3.36 | $184 |
| Shareholders Equity ($M) | ▲ | $26 | +2.48 | $24 |
| Tang. Book Value ($M) | ▲ | $25 | +2.47 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +2.62 | $25 |
| Loan / Deposit Ratio (%) | ▲ | 93.38% | +0.22 | 93.16% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.07% | +0.03 | 0.04% |
| Allowance / Loans (%) | — | 1.04% | -0.04% | 1.08% |
| Net Charge-Off Ratio (%) | ▼ | 0.05% | +0.05 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▄▇█ | Net Interest Margin (%) | 2.49% | 2.54% | 2.71% | 2.83% | 2.87% | 2.92% | 3.25% | 3.42% |
| ▃▃▁▃▄▄▇█ | Return on Assets (%) | 0.31% | 0.33% | 0.12% | 0.32% | 0.41% | 0.45% | 0.67% | 0.83% |
| ▅▅█▆▄▄▂▁ | Efficiency Ratio (%) | 85.5% | 84.8% | 95.7% | 86.1% | 82.3% | 81.4% | 74.3% | 69.5% |
| █▆▃▃▅▆▁▁ | Cost of Funds (%) | 2.64% | 2.52% | 2.37% | 2.35% | 2.43% | 2.51% | 2.24% | 2.21% |
| ▅▄▄▄▄▁▁█ | NPA / Assets (%) | 0.05% | 0.04% | 0.04% | 0.04% | 0.04% | 0.02% | 0.02% | 0.07% |
| ▁▁▁▁▁▁▁█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% |
| ▂▁▁▁▄▆▆█ | Tang. Book Value ($M) | $23 | $22 | $22 | $22 | $23 | $24 | $24 | $25 |
| ▄▂▁▂█▃▃▄ | Gross Loans ($M) | $176 | $173 | $170 | $173 | $183 | $174 | $174 | $176 |
| ▅▆▄▁█▇▄▃ | Total Deposits ($M) | $191 | $192 | $189 | $184 | $196 | $193 | $190 | $187 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 11% |
| Agricultural | 4% |
| Consumer | 2% |
| Other | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 18% |