Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.20% | -0.05 | 1.24% |
| Return on Equity (%) | ▼ | 12.19% | -1.38 | 13.57% |
| Net Interest Margin (%) | ▲ | 3.65% | +0.18 | 3.47% |
| Efficiency Ratio (%) | ▼ | 57.36% | +2.05 | 55.31% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.08 | $1 |
| Cost of Funds (%) | ▲ | 1.34% | -0.18 | 1.52% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $272 | +13.04 | $259 |
| Gross Loans ($M) | ▲ | $166 | +7.64 | $158 |
| Loan Growth YoY (%) | ▼ | 68.22% | -0.15 | 68.37% |
| Total Deposits ($M) | ▲ | $241 | +11.48 | $230 |
| Shareholders Equity ($M) | ▲ | $27 | +2.25 | $25 |
| Tang. Book Value ($M) | ▲ | $27 | +2.25 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +2.16 | $28 |
| Loan / Deposit Ratio (%) | ▼ | 68.22% | -0.15 | 68.37% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.96% | 0.05% | 0.91% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.13% | +0.48 | 15.66% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▃▅▆██ | Net Interest Margin (%) | 3.37% | 3.37% | 3.45% | 3.47% | 3.53% | 3.55% | 3.63% | 3.65% |
| ▃▃▅▆█▆▁▄ | Return on Assets (%) | 1.17% | 1.19% | 1.21% | 1.24% | 1.30% | 1.24% | 1.12% | 1.20% |
| ▅▄▃▂▁▁█▄ | Efficiency Ratio (%) | 58.0% | 57.6% | 56.5% | 55.3% | 54.3% | 54.8% | 61.0% | 57.4% |
| ▇▃▂█▄▁▁▁ | Cost of Funds (%) | 1.48% | 1.38% | 1.36% | 1.52% | 1.41% | 1.32% | 1.33% | 1.34% |
| ▂▁▁▁█▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▂▁▁▁█▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▃▄▆▇▇█ | Tang. Book Value ($M) | $23 | $23 | $24 | $25 | $26 | $26 | $26 | $27 |
| ▁▁▂▅▇█▇█ | Gross Loans ($M) | $150 | $150 | $154 | $158 | $164 | $165 | $163 | $166 |
| ▁▆▆▅▅█▇█ | Total Deposits ($M) | $212 | $233 | $231 | $230 | $227 | $238 | $236 | $241 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 65% |
| C&I / Commercial | 6% |
| Agricultural | 24% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 14% |