Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.51% | +0.37 | 1.14% |
| Return on Equity (%) | ▲ | 9.73% | +1.49 | 8.24% |
| Net Interest Margin (%) | ▲ | 3.71% | +0.29 | 3.42% |
| Efficiency Ratio (%) | ▲ | 61.71% | -5.85 | 67.55% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.12 | $0 |
| Cost of Funds (%) | ▲ | 0.72% | -0.07 | 0.79% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $114 | +5.37 | $109 |
| Gross Loans ($M) | ▲ | $50 | +3.52 | $46 |
| Loan Growth YoY (%) | ▲ | 51.27% | +1.75 | 49.51% |
| Total Deposits ($M) | ▲ | $96 | +3.78 | $92 |
| Shareholders Equity ($M) | ▲ | $18 | +1.58 | $16 |
| Tang. Book Value ($M) | ▲ | $18 | +1.58 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +1.65 | $19 |
| Loan / Deposit Ratio (%) | ▲ | 51.27% | +1.75 | 49.51% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.28% | -0.19% | 1.47% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆██ | Net Interest Margin (%) | 3.03% | 3.05% | 3.32% | 3.42% | 3.51% | 3.52% | 3.65% | 3.71% |
| ▁▁▃▃▄▅██ | Return on Assets (%) | 0.95% | 0.99% | 1.10% | 1.14% | 1.20% | 1.24% | 1.45% | 1.51% |
| ██▅▅▅▃▂▁ | Efficiency Ratio (%) | 71.6% | 70.5% | 67.8% | 67.6% | 67.0% | 65.3% | 64.1% | 61.7% |
| █▇▃▂▃▃▁▁ | Cost of Funds (%) | 1.04% | 0.97% | 0.84% | 0.79% | 0.83% | 0.81% | 0.75% | 0.72% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▃▁▁▄▆█▇█ | Tang. Book Value ($M) | $16 | $15 | $15 | $16 | $17 | $17 | $17 | $18 |
| ▁▁▁▃▅▄▆█ | Gross Loans ($M) | $45 | $44 | $45 | $46 | $48 | $47 | $48 | $50 |
| ▁▇█▃▁▃██ | Total Deposits ($M) | $91 | $95 | $96 | $92 | $90 | $92 | $96 | $96 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 8% |
| Agricultural | 8% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 2% |