Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.68% | -0.12 | 1.80% |
| Return on Equity (%) | ▼ | 15.58% | -3.73 | 19.31% |
| Net Interest Margin (%) | ▼ | 3.70% | -0.11 | 3.81% |
| Efficiency Ratio (%) | ▼ | 54.56% | +1.59 | 52.97% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.05 | $1 |
| Cost of Funds (%) | ▲ | 1.25% | -0.02 | 1.27% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $211 | +12.12 | $198 |
| Gross Loans ($M) | ▼ | $92 | -1.43 | $93 |
| Loan Growth YoY (%) | ▼ | 63.68% | -0.57 | 64.25% |
| Total Deposits ($M) | ▼ | $142 | -0.94 | $143 |
| Shareholders Equity ($M) | ▲ | $22 | +3.03 | $19 |
| Tang. Book Value ($M) | ▲ | $22 | +3.03 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +2.88 | $23 |
| Loan / Deposit Ratio (%) | ▼ | 63.68% | -0.57 | 64.25% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.01% | +0.01 | 0.00% |
| Allowance / Loans (%) | — | 1.52% | 0.01% | 1.51% |
| Net Charge-Off Ratio (%) | ▼ | 0.01% | +0.01 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅███▅▆ | Net Interest Margin (%) | 3.48% | 3.53% | 3.65% | 3.81% | 3.80% | 3.78% | 3.65% | 3.70% |
| ▄▅▇██▁▅▆ | Return on Assets (%) | 1.62% | 1.64% | 1.72% | 1.80% | 1.79% | 1.48% | 1.66% | 1.68% |
| ▅▅▁▁▁▆█▇ | Efficiency Ratio (%) | 53.9% | 54.1% | 53.0% | 53.0% | 53.0% | 54.2% | 54.9% | 54.6% |
| ▁▂▁▇▇█▅▆ | Cost of Funds (%) | 1.03% | 1.10% | 1.06% | 1.27% | 1.27% | 1.33% | 1.20% | 1.25% |
| █▁▁▁▁▁▃▁ | NPA / Assets (%) | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.02% | 0.01% |
| █▁▁▁▁▁▃▁ | Net Charge-Off Ratio (%) | 0.12% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.04% | 0.01% |
| ▃▁▃▃▇███ | Tang. Book Value ($M) | $20 | $18 | $20 | $19 | $22 | $22 | $23 | $22 |
| █▃▅▃▆▆▁▁ | Gross Loans ($M) | $96 | $93 | $94 | $93 | $95 | $95 | $92 | $92 |
| ███▄▁▃▇▄ | Total Deposits ($M) | $151 | $152 | $151 | $143 | $135 | $140 | $148 | $142 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 6% |
| Agricultural | 18% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 4% |