Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.40% | -0.03 | 2.43% |
| Return on Equity (%) | ▲ | 16.98% | +2.37 | 14.61% |
| Net Interest Margin (%) | ▼ | 5.26% | -0.29 | 5.55% |
| Efficiency Ratio (%) | ▲ | 50.69% | -0.43 | 51.12% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.11 | $1 |
| Cost of Funds (%) | ▲ | 0.90% | -0.09 | 0.99% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $213 | +8.43 | $204 |
| Gross Loans ($M) | ▲ | $106 | +5.02 | $101 |
| Loan Growth YoY (%) | ▼ | 56.97% | -1.60 | 58.57% |
| Total Deposits ($M) | ▲ | $181 | +12.90 | $168 |
| Shareholders Equity ($M) | ▼ | $30 | -4.62 | $35 |
| Tang. Book Value ($M) | ▼ | $30 | -4.62 | $35 |
| TBV excl. AOCI ($M)** | ▼ | $34 | -3.52 | $38 |
| Loan / Deposit Ratio (%) | ▼ | 56.97% | -1.60 | 58.57% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 2.76% | 0.22% | 2.55% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▄▅▅▄▁▂ | Net Interest Margin (%) | 5.96% | 5.95% | 5.47% | 5.55% | 5.55% | 5.52% | 5.12% | 5.26% |
| ▆▇▁▄▁▁█▃ | Return on Assets (%) | 2.63% | 2.70% | 2.20% | 2.43% | 2.15% | 2.18% | 2.82% | 2.40% |
| ▁▁██▇▇▁▇ | Efficiency Ratio (%) | 46.6% | 46.3% | 51.5% | 51.1% | 50.8% | 50.7% | 46.6% | 50.7% |
| ▄█▅▇█▆▁▁ | Cost of Funds (%) | 0.94% | 1.02% | 0.97% | 0.99% | 1.01% | 0.98% | 0.89% | 0.90% |
| █▁▁▁▁▁▁▁ | NPA / Assets (%) | 0.23% | 0.00% | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▁█▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.06% | 0.00% | 0.00% | 0.00% |
| ▄▆▇█▁▁▂▃ | Tang. Book Value ($M) | $31 | $32 | $34 | $35 | $28 | $29 | $30 | $30 |
| ▁▂▆▅▁▁▄█ | Gross Loans ($M) | $96 | $97 | $102 | $101 | $95 | $95 | $100 | $106 |
| ▅▁▁▁▄▂█▇ | Total Deposits ($M) | $176 | $168 | $167 | $168 | $175 | $172 | $184 | $181 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 69% |
| C&I / Commercial | 26% |
| Agricultural | 2% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 55% |
| Interest-Bearing (core) | 40% |
| Brokered / Other | 5% |