Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.66% | +0.36 | 1.31% |
| Return on Equity (%) | ▲ | 16.80% | +2.83 | 13.97% |
| Net Interest Margin (%) | ▲ | 3.74% | +0.16 | 3.58% |
| Efficiency Ratio (%) | ▲ | 52.43% | -6.11 | 58.54% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $1 |
| Cost of Funds (%) | ▲ | 2.26% | -0.05 | 2.31% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $275 | +11.13 | $264 |
| Gross Loans ($M) | ▲ | $224 | +8.46 | $215 |
| Loan Growth YoY (%) | ▲ | 100.78% | +3.38 | 97.40% |
| Total Deposits ($M) | ▲ | $219 | +0.62 | $218 |
| Shareholders Equity ($M) | ▲ | $28 | +2.90 | $25 |
| Tang. Book Value ($M) | ▲ | $25 | +2.90 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +2.95 | $24 |
| Loan / Deposit Ratio (%) | ▲ | 100.78% | +3.38 | 97.40% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.06% | -0.23 | 0.29% |
| Allowance / Loans (%) | — | 1.41% | 0.16% | 1.25% |
| Net Charge-Off Ratio (%) | ▲ | 0.07% | -0.02 | 0.09% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▃▁▃▅▇██ | Net Interest Margin (%) | 3.63% | 3.58% | 3.50% | 3.58% | 3.64% | 3.69% | 3.73% | 3.74% |
| ▂▁▁▂▄▄█▇ | Return on Assets (%) | 1.30% | 1.25% | 1.21% | 1.31% | 1.44% | 1.46% | 1.79% | 1.66% |
| ███▇▅▅▁▂ | Efficiency Ratio (%) | 59.1% | 60.1% | 59.6% | 58.5% | 55.9% | 55.9% | 50.1% | 52.4% |
| ▇▆█▂▅▂▁▁ | Cost of Funds (%) | 2.43% | 2.42% | 2.48% | 2.31% | 2.37% | 2.28% | 2.26% | 2.26% |
| ▇▆██▆▅▁▁ | NPA / Assets (%) | 0.25% | 0.23% | 0.30% | 0.29% | 0.24% | 0.20% | 0.06% | 0.06% |
| ▃▂█▇▃▁▆▆ | Net Charge-Off Ratio (%) | 0.03% | 0.02% | 0.11% | 0.09% | 0.04% | 0.00% | 0.07% | 0.07% |
| ▁▂▂▄▅▇██ | Tang. Book Value ($M) | $21 | $21 | $21 | $22 | $23 | $25 | $25 | $25 |
| ▁▄▂▅████ | Gross Loans ($M) | $202 | $214 | $208 | $215 | $223 | $224 | $225 | $224 |
| ▁▅▇█▇▇██ | Total Deposits ($M) | $186 | $204 | $214 | $218 | $212 | $216 | $221 | $219 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 11% |
| Agricultural | 21% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 7% |