Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.14% | +0.04 | 2.10% |
| Return on Equity (%) | ▼ | 15.32% | -0.04 | 15.36% |
| Net Interest Margin (%) | ▲ | 3.95% | +0.09 | 3.86% |
| Efficiency Ratio (%) | ▼ | 46.79% | +1.16 | 45.63% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.02 | $1 |
| Cost of Funds (%) | ▼ | 1.01% | +0.15 | 0.86% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $104 | +2.92 | $101 |
| Gross Loans ($M) | ▲ | $53 | +4.38 | $49 |
| Loan Growth YoY (%) | ▲ | 59.67% | +3.47 | 56.19% |
| Total Deposits ($M) | ▲ | $89 | +2.27 | $87 |
| Shareholders Equity ($M) | ▲ | $14 | +0.62 | $14 |
| Tang. Book Value ($M) | ▲ | $14 | +0.62 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +0.62 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 59.67% | +3.47 | 56.19% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.78% | -0.03% | 0.81% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▇▇████ | Net Interest Margin (%) | 3.34% | 3.44% | 3.82% | 3.86% | 3.94% | 3.96% | 3.98% | 3.95% |
| ▁▂▆▆▇▇█▇ | Return on Assets (%) | 1.43% | 1.58% | 2.09% | 2.10% | 2.18% | 2.13% | 2.32% | 2.14% |
| █▇▁▂▁▂▁▃ | Efficiency Ratio (%) | 56.8% | 54.7% | 44.7% | 45.6% | 44.7% | 46.2% | 43.2% | 46.8% |
| ▇▂▃▁▄▁▅█ | Cost of Funds (%) | 0.98% | 0.90% | 0.90% | 0.86% | 0.93% | 0.86% | 0.93% | 1.01% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▂▄▅▇▇▇█ | Tang. Book Value ($M) | $13 | $13 | $14 | $14 | $14 | $14 | $14 | $14 |
| ▁▃▂▄▆▇▇█ | Gross Loans ($M) | $46 | $48 | $47 | $49 | $51 | $52 | $52 | $53 |
| ▃▄▁▄▁█▃█ | Total Deposits ($M) | $86 | $86 | $84 | $87 | $84 | $90 | $86 | $89 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 10% |
| Agricultural | 3% |
| Other | 11% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 5% |