Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 3.61% | -0.50 | 4.11% |
| Return on Equity (%) | ▼ | 18.71% | -3.53 | 22.24% |
| Net Interest Margin (%) | ▼ | 5.31% | -0.66 | 5.97% |
| Efficiency Ratio (%) | ▼ | 31.37% | +4.22 | 27.16% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.10 | $1 |
| Cost of Funds (%) | ▼ | 0.45% | +0.02 | 0.43% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $132 | -8.09 | $140 |
| Gross Loans ($M) | ▲ | $74 | +4.56 | $69 |
| Loan Growth YoY (%) | ▲ | 68.58% | +10.23 | 58.35% |
| Total Deposits ($M) | ▼ | $105 | -10.30 | $116 |
| Shareholders Equity ($M) | ▲ | $27 | +2.17 | $24 |
| Tang. Book Value ($M) | ▲ | $27 | +2.17 | $24 |
| Loan / Deposit Ratio (%) | ▲ | 68.58% | +10.23 | 58.35% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.26 | 0.26% |
| Allowance / Loans (%) | — | 1.78% | -0.41% | 2.19% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.53 | 0.53% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▇▇▇▇▁▂ | Net Interest Margin (%) | 6.04% | 6.11% | 5.92% | 5.97% | 5.96% | 5.87% | 5.12% | 5.31% |
| ███▇▇█▁▂ | Return on Assets (%) | 4.27% | 4.27% | 4.18% | 4.11% | 4.12% | 4.23% | 3.44% | 3.61% |
| ▂▄▃▁▁▂█▇ | Efficiency Ratio (%) | 28.2% | 29.2% | 28.6% | 27.2% | 27.5% | 27.8% | 32.2% | 31.4% |
| █▇▃▁▃▁▁▂ | Cost of Funds (%) | 0.59% | 0.56% | 0.49% | 0.43% | 0.48% | 0.44% | 0.45% | 0.45% |
| ▁▁▁█▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.26% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▁█▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.53% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▃▁▃▅▇▄▆█ | Tang. Book Value ($M) | $24 | $22 | $23 | $24 | $26 | $24 | $25 | $27 |
| ▄▃▇▂▁▁▁█ | Gross Loans ($M) | $70 | $70 | $72 | $69 | $68 | $68 | $67 | $74 |
| ▄▁▂█▃▆▄▅ | Total Deposits ($M) | $103 | $92 | $97 | $116 | $99 | $110 | $102 | $105 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 18% |
| Agricultural | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 5% |