Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.15% | +0.37 | 0.78% |
| Return on Equity (%) | ▲ | 15.82% | +4.07 | 11.75% |
| Net Interest Margin (%) | ▲ | 3.79% | +0.37 | 3.41% |
| Efficiency Ratio (%) | ▲ | 70.52% | -7.64 | 78.16% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.13 | $0 |
| Cost of Funds (%) | ▲ | 1.40% | -0.16 | 1.56% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $136 | +10.34 | $126 |
| Gross Loans ($M) | ▲ | $86 | +0.52 | $86 |
| Loan Growth YoY (%) | ▼ | 68.58% | -4.95 | 73.53% |
| Total Deposits ($M) | ▲ | $125 | +9.15 | $116 |
| Shareholders Equity ($M) | ▲ | $10 | +1.23 | $9 |
| Tang. Book Value ($M) | ▲ | $10 | +1.23 | $9 |
| TBV excl. AOCI ($M)** | ▲ | $11 | +1.37 | $10 |
| Loan / Deposit Ratio (%) | ▼ | 68.58% | -4.95 | 73.53% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.61% | -0.01% | 0.62% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.06% | +1.13 | 11.93% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▆▇▇▇█ | Net Interest Margin (%) | 2.75% | 2.88% | 3.13% | 3.41% | 3.54% | 3.61% | 3.59% | 3.79% |
| ▁▁▃▄▆▆██ | Return on Assets (%) | 0.53% | 0.52% | 0.70% | 0.78% | 0.95% | 0.93% | 1.10% | 1.15% |
| ▇█▇▆▃▄▁▁ | Efficiency Ratio (%) | 79.8% | 81.5% | 79.5% | 78.2% | 74.1% | 75.1% | 69.9% | 70.5% |
| ▆█▃▅▄▄▁▃ | Cost of Funds (%) | 1.62% | 1.83% | 1.37% | 1.56% | 1.43% | 1.47% | 1.18% | 1.40% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▂▁▃▃▅▇██ | Tang. Book Value ($M) | $9 | $8 | $9 | $9 | $10 | $10 | $10 | $10 |
| ▁▄▂▆█▅▁█ | Gross Loans ($M) | $84 | $85 | $84 | $86 | $87 | $86 | $84 | $86 |
| █▃▅▁▁▄█▄ | Total Deposits ($M) | $136 | $122 | $129 | $116 | $116 | $125 | $135 | $125 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 8% |
| Agricultural | 5% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 8% |