Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.70% | -0.00 | 0.71% |
| Return on Equity (%) | ▼ | 9.89% | -0.59 | 10.48% |
| Net Interest Margin (%) | ▲ | 3.03% | +0.23 | 2.80% |
| Efficiency Ratio (%) | ▲ | 69.31% | -2.02 | 71.32% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.02 | $0 |
| Cost of Funds (%) | ▲ | 1.97% | -0.21 | 2.18% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $139 | +6.14 | $133 |
| Gross Loans ($M) | ▲ | $78 | +8.62 | $69 |
| Loan Growth YoY (%) | ▲ | 70.40% | +1.71 | 68.69% |
| Total Deposits ($M) | ▲ | $109 | +9.76 | $99 |
| Shareholders Equity ($M) | ▲ | $10 | +0.78 | $9 |
| Tang. Book Value ($M) | ▲ | $10 | +0.78 | $9 |
| TBV excl. AOCI ($M)** | ▲ | $13 | +0.64 | $12 |
| Loan / Deposit Ratio (%) | ▲ | 70.40% | +1.71 | 68.69% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.33% | -0.09% | 1.41% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.00 | 0.01% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 14.01% | -0.95 | 14.96% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▆▅██ | Net Interest Margin (%) | 2.38% | 2.40% | 2.76% | 2.80% | 2.82% | 2.82% | 3.08% | 3.03% |
| ▁▁█▇█▆█▇ | Return on Assets (%) | 0.43% | 0.42% | 0.76% | 0.71% | 0.77% | 0.67% | 0.75% | 0.70% |
| ██▂▃▂▄▁▂ | Efficiency Ratio (%) | 83.7% | 85.4% | 70.0% | 71.3% | 70.2% | 73.7% | 66.0% | 69.3% |
| █▆▄▄▄▂▂▁ | Cost of Funds (%) | 2.52% | 2.35% | 2.22% | 2.18% | 2.23% | 2.09% | 2.04% | 1.97% |
| █▇▇▅▅▂▂▁ | NPA / Assets (%) | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| █▆▇▅▅▂▂▁ | Net Charge-Off Ratio (%) | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% |
| ▂▁▄▄████ | Tang. Book Value ($M) | $9 | $9 | $9 | $9 | $10 | $10 | $10 | $10 |
| ▁▂▁▁▁▇██ | Gross Loans ($M) | $69 | $70 | $69 | $69 | $68 | $76 | $77 | $78 |
| ▂▁▃▂▁▂█▆ | Total Deposits ($M) | $101 | $97 | $101 | $99 | $99 | $100 | $114 | $109 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 53% |
| C&I / Commercial | 9% |
| Agricultural | 37% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 11% |