Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.95% | +0.28 | 1.67% |
| Return on Equity (%) | ▲ | 18.77% | +2.60 | 16.17% |
| Net Interest Margin (%) | ▲ | 4.95% | +0.37 | 4.59% |
| Efficiency Ratio (%) | ▲ | 42.75% | -3.19 | 45.94% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.36 | $3 |
| Cost of Funds (%) | ▲ | 1.67% | -0.23 | 1.90% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $517 | +15.92 | $501 |
| Gross Loans ($M) | ▲ | $435 | +34.55 | $400 |
| Loan Growth YoY (%) | ▲ | 94.06% | +4.17 | 89.89% |
| Total Deposits ($M) | ▲ | $456 | +16.50 | $440 |
| Shareholders Equity ($M) | ▲ | $54 | +2.56 | $52 |
| Tang. Book Value ($M) | ▲ | $50 | +2.46 | $48 |
| Loan / Deposit Ratio (%) | ▲ | 94.06% | +4.17 | 89.89% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.23% | 0.07% | 1.17% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▄▄▅██ | Net Interest Margin (%) | 4.35% | 4.35% | 4.42% | 4.59% | 4.60% | 4.72% | 4.95% | 4.95% |
| ▁▁▁▃▃▄██ | Return on Assets (%) | 1.56% | 1.57% | 1.58% | 1.67% | 1.70% | 1.75% | 1.91% | 1.95% |
| ██▇▅▄▃▁▁ | Efficiency Ratio (%) | 49.0% | 48.7% | 48.1% | 45.9% | 45.4% | 45.0% | 42.7% | 42.8% |
| ▇▆▄██▃▁▁ | Cost of Funds (%) | 1.85% | 1.83% | 1.78% | 1.90% | 1.91% | 1.75% | 1.66% | 1.67% |
| ▁██▁▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁██▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▄▆▅▆█ | Tang. Book Value ($M) | $46 | $46 | $47 | $48 | $49 | $48 | $49 | $50 |
| ▁▁▁▁▃▅██ | Gross Loans ($M) | $399 | $398 | $396 | $400 | $409 | $417 | $433 | $435 |
| ▁▂▃▅▇▅█▇ | Total Deposits ($M) | $409 | $416 | $425 | $440 | $454 | $439 | $465 | $456 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 95% |
| C&I / Commercial | 2% |
| Agricultural | 2% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 13% |