Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.86% | +0.29 | 1.58% |
| Return on Equity (%) | ▲ | 18.49% | +0.50 | 17.99% |
| Net Interest Margin (%) | ▲ | 3.17% | +0.30 | 2.86% |
| Efficiency Ratio (%) | ▲ | 39.28% | -3.30 | 42.58% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $1 |
| Cost of Funds (%) | ▲ | 1.96% | -0.18 | 2.15% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $241 | +3.89 | $237 |
| Gross Loans ($M) | ▲ | $155 | +10.56 | $144 |
| Loan Growth YoY (%) | ▲ | 99.23% | +7.09 | 92.14% |
| Total Deposits ($M) | ▼ | $155 | -0.74 | $155 |
| Shareholders Equity ($M) | ▲ | $25 | +3.32 | $22 |
| Tang. Book Value ($M) | ▲ | $25 | +3.32 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +3.34 | $25 |
| Loan / Deposit Ratio (%) | ▲ | 99.23% | +7.09 | 92.14% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.00% | +0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.08% | 0.12% | 0.96% |
| Net Charge-Off Ratio (%) | ▼ | 0.00% | +0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.81% | +1.61 | 15.21% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▃█▇ | Net Interest Margin (%) | 2.70% | 2.71% | 2.79% | 2.86% | 2.91% | 2.88% | 3.26% | 3.17% |
| ▃▁▄▅▆▃██ | Return on Assets (%) | 1.41% | 1.22% | 1.48% | 1.58% | 1.65% | 1.41% | 1.84% | 1.86% |
| ▄█▄▃▂▆▂▁ | Efficiency Ratio (%) | 45.4% | 52.1% | 44.4% | 42.6% | 41.0% | 47.9% | 41.4% | 39.3% |
| ██▅▅▅▇▁▄ | Cost of Funds (%) | 2.42% | 2.45% | 2.14% | 2.15% | 2.13% | 2.35% | 1.67% | 1.96% |
| ▁▅█▁▃▁▁▁ | NPA / Assets (%) | 0.00% | 0.17% | 0.32% | 0.00% | 0.09% | 0.00% | 0.00% | 0.00% |
| ▁▄█▁▂▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.26% | 0.55% | 0.00% | 0.13% | 0.00% | 0.00% | 0.00% |
| ▃▁▁▃▆▇▇█ | Tang. Book Value ($M) | $22 | $20 | $21 | $22 | $24 | $24 | $24 | $25 |
| █▇▁▂██▄▇ | Gross Loans ($M) | $156 | $155 | $142 | $144 | $156 | $158 | $150 | $155 |
| ▁▃█▆▁▂▇▆ | Total Deposits ($M) | $146 | $150 | $160 | $155 | $146 | $149 | $157 | $155 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 59% |
| C&I / Commercial | 7% |
| Agricultural | 32% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 13% |