Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.36% | +0.17 | 2.19% |
| Return on Equity (%) | ▼ | 19.96% | -0.99 | 20.95% |
| Net Interest Margin (%) | ▲ | 3.55% | +0.20 | 3.34% |
| Efficiency Ratio (%) | ▲ | 36.42% | -0.95 | 37.37% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.17 | $1 |
| Cost of Funds (%) | ▲ | 1.04% | -0.06 | 1.10% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $227 | +3.95 | $223 |
| Gross Loans ($M) | ▲ | $83 | +8.64 | $74 |
| Loan Growth YoY (%) | ▲ | 42.51% | +3.29 | 39.22% |
| Total Deposits ($M) | ▲ | $192 | +5.58 | $187 |
| Shareholders Equity ($M) | ▲ | $28 | +2.40 | $25 |
| Tang. Book Value ($M) | ▲ | $28 | +2.40 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $34 | +2.37 | $32 |
| Loan / Deposit Ratio (%) | ▲ | 42.51% | +3.29 | 39.22% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.93% | 0.06% | 0.87% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▆▅▆▆██ | Net Interest Margin (%) | 3.06% | 3.11% | 3.42% | 3.34% | 3.40% | 3.42% | 3.50% | 3.55% |
| ▄▁▇▆▇▃██ | Return on Assets (%) | 2.01% | 1.74% | 2.28% | 2.19% | 2.25% | 1.94% | 2.35% | 2.36% |
| ▂█▁▂▁▇▁▁ | Efficiency Ratio (%) | 38.4% | 47.5% | 36.1% | 37.4% | 36.9% | 44.9% | 35.6% | 36.4% |
| ▆▁▂▆▇█▆▂ | Cost of Funds (%) | 1.12% | 1.02% | 1.05% | 1.10% | 1.12% | 1.15% | 1.11% | 1.04% |
| ▁▇▁▁█▁▁▁ | NPA / Assets (%) | 0.00% | 0.13% | 0.00% | 0.00% | 0.15% | 0.00% | 0.00% | 0.00% |
| ▁█▁▁█▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.39% | 0.00% | 0.00% | 0.43% | 0.00% | 0.00% | 0.00% |
| ▆▁▄▆█▆▇█ | Tang. Book Value ($M) | $25 | $20 | $23 | $25 | $27 | $25 | $26 | $28 |
| ▁▂▂▃▅▇██ | Gross Loans ($M) | $69 | $72 | $71 | $74 | $76 | $80 | $81 | $83 |
| ▁█▄▆▄▆▇█ | Total Deposits ($M) | $176 | $191 | $183 | $187 | $183 | $188 | $189 | $192 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 6% |
| Agricultural | 2% |
| Consumer | 7% |
| Other | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 34% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 6% |