Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.30% | +0.16 | 1.14% |
| Return on Equity (%) | ▼ | 12.65% | -0.31 | 12.96% |
| Net Interest Margin (%) | ▲ | 3.43% | +0.23 | 3.20% |
| Efficiency Ratio (%) | ▲ | 60.93% | -2.63 | 63.56% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▼ | 1.20% | +0.03 | 1.17% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $166 | +4.42 | $162 |
| Gross Loans ($M) | ▲ | $97 | +3.77 | $93 |
| Loan Growth YoY (%) | ▲ | 74.24% | +7.98 | 66.26% |
| Total Deposits ($M) | ▼ | $129 | -9.81 | $138 |
| Shareholders Equity ($M) | ▲ | $17 | +3.10 | $14 |
| Tang. Book Value ($M) | ▲ | $17 | +3.10 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +3.02 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 74.24% | +7.98 | 66.26% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.00% | +0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.45% | -0.06% | 1.50% |
| Net Charge-Off Ratio (%) | ▼ | 0.00% | +0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▆▆▆██ | Net Interest Margin (%) | 2.73% | 2.83% | 3.07% | 3.20% | 3.24% | 3.25% | 3.40% | 3.43% |
| ▁▄▄▆▆▇▇█ | Return on Assets (%) | 0.79% | 0.98% | 1.00% | 1.14% | 1.16% | 1.20% | 1.20% | 1.30% |
| █▄▅▃▂▂▃▁ | Efficiency Ratio (%) | 70.9% | 65.0% | 66.9% | 63.6% | 63.4% | 62.2% | 63.5% | 60.9% |
| █▂▂▁▁▁▁▂ | Cost of Funds (%) | 1.55% | 1.21% | 1.23% | 1.17% | 1.17% | 1.18% | 1.14% | 1.20% |
| ▁▁▁▁██▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.03% | 0.00% | 0.00% |
| ▁▁▁▁█▇▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | 0.04% | 0.00% | 0.00% |
| ▄▁▁▁▇▇██ | Tang. Book Value ($M) | $15 | $14 | $14 | $14 | $17 | $17 | $17 | $17 |
| ▁▃▃▄▃██▇ | Gross Loans ($M) | $88 | $92 | $92 | $93 | $91 | $97 | $98 | $97 |
| ▇██▅▁▃▁▁ | Total Deposits ($M) | $140 | $142 | $144 | $138 | $129 | $134 | $129 | $129 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 9% |
| Agricultural | 23% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 6% |