Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.80% | +0.21 | 0.59% |
| Return on Equity (%) | ▲ | 7.46% | +1.74 | 5.72% |
| Net Interest Margin (%) | ▲ | 2.41% | +0.55 | 1.86% |
| Efficiency Ratio (%) | ▲ | 59.58% | -11.01 | 70.58% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.79 | $1 |
| Cost of Funds (%) | ▲ | 1.80% | -0.14 | 1.94% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $552 | +33.20 | $518 |
| Gross Loans ($M) | ▲ | $254 | +1.02 | $253 |
| Loan Growth YoY (%) | ▼ | 51.42% | -3.00 | 54.42% |
| Total Deposits ($M) | ▲ | $489 | +28.83 | $460 |
| Shareholders Equity ($M) | ▲ | $59 | +3.97 | $55 |
| Tang. Book Value ($M) | ▲ | $58 | +4.07 | $54 |
| TBV excl. AOCI ($M)** | ▲ | $67 | +1.79 | $65 |
| Loan / Deposit Ratio (%) | ▼ | 51.42% | -3.00 | 54.42% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.05% | +0.05 | 0.00% |
| Allowance / Loans (%) | — | 1.07% | -0.01% | 1.08% |
| Net Charge-Off Ratio (%) | ▼ | 0.11% | +0.11 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▅▆██ | Net Interest Margin (%) | 1.22% | 1.37% | 1.85% | 1.86% | 1.96% | 2.01% | 2.32% | 2.41% |
| ▁▂▆▆▇▇▆█ | Return on Assets (%) | 0.11% | 0.20% | 0.59% | 0.59% | 0.68% | 0.64% | 0.59% | 0.80% |
| █▇▃▃▂▃▁▁ | Efficiency Ratio (%) | 97.2% | 89.7% | 69.8% | 70.6% | 67.6% | 69.1% | 62.7% | 59.6% |
| █▅▃▃▄▂▁▂ | Cost of Funds (%) | 2.42% | 2.05% | 1.92% | 1.94% | 2.02% | 1.84% | 1.66% | 1.80% |
| ▁▁▁▁▁▁▇█ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.05% |
| ▁▁▁▁▁▁▇█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.09% | 0.11% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $52 | $52 | $53 | $54 | $55 | $56 | $57 | $58 |
| ▁▂▁▃█▇▆▄ | Gross Loans ($M) | $247 | $250 | $247 | $253 | $265 | $261 | $259 | $254 |
| ▂▇▄▄▁▄▆█ | Total Deposits ($M) | $447 | $479 | $462 | $460 | $437 | $460 | $476 | $489 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 13% |
| Agricultural | 17% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 86% |
| Brokered / Other | 4% |