Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.59% | +0.44 | 1.15% |
| Return on Equity (%) | ▲ | 14.05% | +2.98 | 11.07% |
| Net Interest Margin (%) | ▲ | 4.53% | +0.78 | 3.74% |
| Efficiency Ratio (%) | ▲ | 51.14% | -6.93 | 58.07% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.18 | $0 |
| Cost of Funds (%) | ▲ | 1.55% | -0.26 | 1.81% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $105 | +2.47 | $103 |
| Gross Loans ($M) | ▲ | $69 | +9.46 | $59 |
| Loan Growth YoY (%) | ▲ | 77.00% | +10.06 | 66.94% |
| Total Deposits ($M) | ▲ | $88 | +0.77 | $87 |
| Shareholders Equity ($M) | ▲ | $12 | +1.36 | $11 |
| Tang. Book Value ($M) | ▲ | $12 | +1.36 | $11 |
| Loan / Deposit Ratio (%) | ▲ | 77.00% | +10.06 | 66.94% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.08 | 0.08% |
| Allowance / Loans (%) | — | 1.31% | -0.09% | 1.39% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.06 | 0.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▃▄▅██ | Net Interest Margin (%) | 3.37% | 3.44% | 3.67% | 3.74% | 3.82% | 3.95% | 4.45% | 4.53% |
| ▁▁▃▄▅▅██ | Return on Assets (%) | 0.82% | 0.87% | 1.07% | 1.15% | 1.21% | 1.26% | 1.53% | 1.59% |
| ██▅▄▃▃▁▁ | Efficiency Ratio (%) | 67.5% | 66.3% | 60.0% | 58.1% | 57.0% | 56.8% | 52.5% | 51.1% |
| █▆▅█▇▃▁▁ | Cost of Funds (%) | 1.82% | 1.74% | 1.71% | 1.81% | 1.77% | 1.63% | 1.55% | 1.55% |
| ██▇█▁▁▂▁ | NPA / Assets (%) | 0.08% | 0.08% | 0.06% | 0.08% | 0.00% | 0.01% | 0.02% | 0.00% |
| ██▇▄▁▁▂▁ | Net Charge-Off Ratio (%) | 0.13% | 0.13% | 0.11% | 0.06% | 0.00% | 0.01% | 0.03% | 0.00% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $10 | $10 | $11 | $11 | $11 | $11 | $12 | $12 |
| ▁▁▁▂▄▇██ | Gross Loans ($M) | $57 | $57 | $58 | $59 | $63 | $66 | $68 | $69 |
| ▁▅▅▇████ | Total Deposits ($M) | $84 | $86 | $87 | $87 | $88 | $88 | $89 | $88 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 56% |
| C&I / Commercial | 16% |
| Agricultural | 23% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 79% |
| Brokered / Other | 11% |