Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.34% | +0.10 | 1.24% |
| Return on Equity (%) | ▼ | 12.63% | -0.37 | 13.00% |
| Net Interest Margin (%) | ▲ | 4.91% | +0.14 | 4.77% |
| Efficiency Ratio (%) | ▲ | 61.45% | -2.65 | 64.09% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.09 | $1 |
| Cost of Funds (%) | ▲ | 0.92% | -0.11 | 1.03% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $153 | +4.03 | $149 |
| Gross Loans ($M) | ▲ | $132 | +3.47 | $129 |
| Loan Growth YoY (%) | ▲ | 95.79% | +0.59 | 95.20% |
| Total Deposits ($M) | ▲ | $136 | +2.54 | $134 |
| Shareholders Equity ($M) | ▲ | $17 | +1.68 | $15 |
| Tang. Book Value ($M) | ▲ | $17 | +1.68 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 95.79% | +0.59 | 95.20% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.56% | +0.35 | 0.21% |
| Allowance / Loans (%) | — | 1.49% | 0.15% | 1.34% |
| Net Charge-Off Ratio (%) | ▼ | 0.65% | +0.41 | 0.24% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▄▆███ | Net Interest Margin (%) | 4.65% | 4.64% | 4.65% | 4.77% | 4.83% | 4.89% | 4.89% | 4.91% |
| ▂▁▁▅▆▆▅█ | Return on Assets (%) | 1.17% | 1.14% | 1.16% | 1.24% | 1.28% | 1.28% | 1.24% | 1.34% |
| ▇█▇▄▃▂▄▁ | Efficiency Ratio (%) | 66.2% | 67.3% | 66.0% | 64.1% | 62.9% | 62.4% | 64.4% | 61.4% |
| █▇▃▆▆▂▂▁ | Cost of Funds (%) | 1.06% | 1.04% | 0.97% | 1.03% | 1.01% | 0.95% | 0.95% | 0.92% |
| ▆▄▁▂▆█▄▆ | NPA / Assets (%) | 0.56% | 0.43% | 0.00% | 0.21% | 0.66% | 0.88% | 0.44% | 0.56% |
| ▆▅▁▂▆█▄▅ | Net Charge-Off Ratio (%) | 0.69% | 0.55% | 0.00% | 0.24% | 0.76% | 1.05% | 0.51% | 0.65% |
| ▁▁▂▄▅▆▇█ | Tang. Book Value ($M) | $14 | $14 | $14 | $15 | $15 | $16 | $16 | $17 |
| ▁▁▂▇▇▆▇█ | Gross Loans ($M) | $118 | $118 | $121 | $129 | $130 | $128 | $129 | $132 |
| ▁▅█▄▅█▄▇ | Total Deposits ($M) | $131 | $135 | $137 | $134 | $134 | $137 | $133 | $136 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 10% |
| Agricultural | 16% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 37% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 6% |