Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.09% | +0.28 | 0.81% |
| Return on Equity (%) | ▲ | 8.45% | +1.92 | 6.53% |
| Net Interest Margin (%) | ▲ | 3.61% | +0.27 | 3.35% |
| Efficiency Ratio (%) | ▲ | 58.17% | -9.54 | 67.70% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.20 | $0 |
| Cost of Funds (%) | ▲ | 1.65% | -0.28 | 1.93% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $137 | +6.77 | $131 |
| Gross Loans ($M) | ▼ | $70 | -4.06 | $74 |
| Loan Growth YoY (%) | ▼ | 58.78% | -6.51 | 65.28% |
| Total Deposits ($M) | ▲ | $118 | +5.80 | $113 |
| Shareholders Equity ($M) | ▲ | $18 | +0.95 | $17 |
| Tang. Book Value ($M) | ▲ | $18 | +0.95 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +1.05 | $20 |
| Loan / Deposit Ratio (%) | ▼ | 58.78% | -6.51 | 65.28% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.15% | +0.15 | 0.00% |
| Allowance / Loans (%) | — | 1.19% | -0.12% | 1.31% |
| Net Charge-Off Ratio (%) | ▼ | 0.30% | +0.30 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▅▆▆█ | Net Interest Margin (%) | 3.14% | 3.13% | 3.20% | 3.35% | 3.42% | 3.46% | 3.46% | 3.61% |
| ▁▁▂▄▃▅▆█ | Return on Assets (%) | 0.62% | 0.66% | 0.71% | 0.81% | 0.78% | 0.88% | 0.92% | 1.09% |
| ██▇▅▅▄▂▁ | Efficiency Ratio (%) | 73.7% | 72.7% | 70.0% | 67.7% | 66.7% | 64.5% | 62.0% | 58.2% |
| █▅▅█▄▂▁▃ | Cost of Funds (%) | 1.97% | 1.77% | 1.79% | 1.93% | 1.73% | 1.57% | 1.51% | 1.65% |
| ▁▁▁▁███▇ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.19% | 0.18% | 0.18% | 0.15% |
| ▁▁▁▁███▇ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.32% | 0.32% | 0.36% | 0.30% |
| ▃▁▃▅▇▆▇█ | Tang. Book Value ($M) | $17 | $16 | $17 | $17 | $18 | $18 | $18 | $18 |
| ██▁▄▇▇▁▁ | Gross Loans ($M) | $80 | $81 | $70 | $74 | $79 | $79 | $69 | $70 |
| ▂▇▇▂▁▆█▅ | Total Deposits ($M) | $112 | $121 | $121 | $113 | $109 | $120 | $124 | $118 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 54% |
| C&I / Commercial | 12% |
| Agricultural | 32% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 42% |
| Brokered / Other | 35% |