Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.12% | +0.15 | 0.97% |
| Return on Equity (%) | ▲ | 10.93% | +0.74 | 10.19% |
| Net Interest Margin (%) | ▲ | 3.77% | +0.40 | 3.36% |
| Efficiency Ratio (%) | ▲ | 58.54% | -2.92 | 61.46% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $1 |
| Cost of Funds (%) | ▲ | 2.10% | -0.17 | 2.27% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $328 | +12.89 | $315 |
| Gross Loans ($M) | ▲ | $240 | +6.58 | $234 |
| Loan Growth YoY (%) | ▼ | 80.91% | -0.45 | 81.35% |
| Total Deposits ($M) | ▲ | $293 | +9.06 | $283 |
| Shareholders Equity ($M) | ▲ | $34 | +3.82 | $31 |
| Tang. Book Value ($M) | ▲ | $34 | +3.82 | $30 |
| TBV excl. AOCI ($M)** | ▲ | $37 | +4.16 | $33 |
| Loan / Deposit Ratio (%) | ▼ | 80.91% | -0.45 | 81.35% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.49% | 0.18% | 1.31% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▆██ | Net Interest Margin (%) | 2.85% | 2.95% | 3.19% | 3.36% | 3.45% | 3.53% | 3.67% | 3.77% |
| ▁▂▄▇▇███ | Return on Assets (%) | 0.50% | 0.60% | 0.81% | 0.97% | 1.02% | 1.04% | 1.07% | 1.12% |
| █▇▃▂▁▁▁▁ | Efficiency Ratio (%) | 76.1% | 73.2% | 64.9% | 61.5% | 60.5% | 58.9% | 59.6% | 58.5% |
| ██▆▄▃▂▃▁ | Cost of Funds (%) | 2.46% | 2.45% | 2.33% | 2.27% | 2.22% | 2.14% | 2.20% | 2.10% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▂▁▂▃▆▇▇█ | Tang. Book Value ($M) | $29 | $28 | $29 | $30 | $32 | $32 | $33 | $34 |
| ▁▁▁▃▅█▇▇ | Gross Loans ($M) | $230 | $230 | $230 | $234 | $237 | $243 | $240 | $240 |
| ▁▃▁▄▅█▆█ | Total Deposits ($M) | $275 | $280 | $275 | $283 | $285 | $292 | $288 | $293 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 8% |
| Agricultural | 5% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 14% |