Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.84% | +0.31 | 1.53% |
| Return on Equity (%) | ▲ | 15.27% | +1.17 | 14.10% |
| Net Interest Margin (%) | ▲ | 3.40% | +0.37 | 3.03% |
| Efficiency Ratio (%) | ▲ | 43.58% | -3.98 | 47.56% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.27 | $1 |
| Cost of Funds (%) | ▲ | 1.48% | -0.17 | 1.64% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $228 | +12.60 | $216 |
| Gross Loans ($M) | ▲ | $123 | +8.27 | $115 |
| Loan Growth YoY (%) | ▲ | 60.93% | +1.00 | 59.93% |
| Total Deposits ($M) | ▲ | $200 | +10.41 | $189 |
| Shareholders Equity ($M) | ▲ | $28 | +4.24 | $24 |
| Tang. Book Value ($M) | ▲ | $28 | +4.24 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +4.20 | $27 |
| Loan / Deposit Ratio (%) | ▲ | 60.93% | +1.00 | 59.93% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.12 | 0.12% |
| Allowance / Loans (%) | — | 1.41% | -0.06% | 1.47% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.23 | 0.23% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▅▇█ | Net Interest Margin (%) | 2.84% | 2.85% | 2.91% | 3.03% | 3.08% | 3.14% | 3.29% | 3.40% |
| ▁▂▁▄▅▆▅█ | Return on Assets (%) | 1.36% | 1.39% | 1.31% | 1.53% | 1.63% | 1.69% | 1.60% | 1.84% |
| ▅▅█▄▂▁▅▁ | Efficiency Ratio (%) | 49.7% | 48.9% | 53.5% | 47.6% | 45.0% | 43.9% | 49.6% | 43.6% |
| ██▆▅▅▅▁▁ | Cost of Funds (%) | 1.75% | 1.77% | 1.66% | 1.64% | 1.63% | 1.63% | 1.51% | 1.48% |
| ▁▁▁█▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.12% | 0.01% | 0.00% | 0.00% | 0.00% |
| ▁▁▁█▁▁▁▁ | Net Charge-Off Ratio (%) | 0.01% | 0.00% | 0.00% | 0.23% | 0.01% | 0.00% | 0.00% | 0.00% |
| ▂▁▁▃▆▇▇█ | Tang. Book Value ($M) | $23 | $22 | $23 | $24 | $26 | $27 | $27 | $28 |
| ▁▂▁▁▃▅██ | Gross Loans ($M) | $115 | $116 | $114 | $115 | $117 | $120 | $124 | $123 |
| ▁▃▅▅▆███ | Total Deposits ($M) | $174 | $181 | $188 | $189 | $191 | $200 | $200 | $200 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 57% |
| C&I / Commercial | 8% |
| Agricultural | 30% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 14% |