Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.76% | -0.17 | 1.93% |
| Return on Equity (%) | ▼ | 14.19% | -3.96 | 18.15% |
| Net Interest Margin (%) | ▼ | 3.15% | -0.08 | 3.22% |
| Efficiency Ratio (%) | ▼ | 42.50% | +2.55 | 39.96% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.13 | $1 |
| Cost of Funds (%) | ▲ | 2.05% | -0.05 | 2.10% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $140 | -8.60 | $149 |
| Gross Loans ($M) | ▼ | $105 | -6.90 | $112 |
| Loan Growth YoY (%) | ▼ | 89.79% | -7.49 | 97.28% |
| Total Deposits ($M) | ▲ | $116 | +1.86 | $114 |
| Shareholders Equity ($M) | ▲ | $18 | +1.38 | $16 |
| Tang. Book Value ($M) | ▲ | $18 | +1.38 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +1.36 | $18 |
| Loan / Deposit Ratio (%) | ▼ | 89.79% | -7.49 | 97.28% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.97% | 0.03% | 0.94% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▆█▇▇▅▇ | Net Interest Margin (%) | 2.83% | 2.83% | 3.11% | 3.22% | 3.17% | 3.16% | 3.06% | 3.15% |
| ▂▁▅█▇▅▅▆ | Return on Assets (%) | 1.48% | 1.38% | 1.68% | 1.93% | 1.82% | 1.71% | 1.71% | 1.76% |
| ▅█▆▁▁▅▅▃ | Efficiency Ratio (%) | 45.1% | 48.6% | 46.3% | 40.0% | 41.0% | 44.6% | 44.5% | 42.5% |
| █▇▃▂▅▅▁▂ | Cost of Funds (%) | 2.63% | 2.52% | 2.12% | 2.10% | 2.32% | 2.29% | 1.95% | 2.05% |
| ▁█▄▁▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.36% | 0.16% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁█▄▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.49% | 0.22% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▄▇█▆█ | Tang. Book Value ($M) | $15 | $15 | $15 | $16 | $17 | $18 | $17 | $18 |
| █▅▇██▁▁▄ | Gross Loans ($M) | $112 | $107 | $110 | $112 | $111 | $102 | $101 | $105 |
| ▁▁▅▆▅▅█▆ | Total Deposits ($M) | $101 | $103 | $112 | $114 | $112 | $113 | $122 | $116 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 55% |
| C&I / Commercial | 3% |
| Agricultural | 41% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 6% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 23% |