Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.19% | +0.44 | 0.75% |
| Return on Equity (%) | ▲ | 10.44% | +3.36 | 7.08% |
| Net Interest Margin (%) | ▲ | 4.44% | +0.31 | 4.13% |
| Efficiency Ratio (%) | ▲ | 70.09% | -7.63 | 77.73% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $0 |
| Cost of Funds (%) | ▲ | 1.37% | -0.16 | 1.53% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $145 | -3.52 | $148 |
| Gross Loans ($M) | ▲ | $121 | +2.88 | $118 |
| Loan Growth YoY (%) | ▲ | 116.29% | +10.43 | 105.86% |
| Total Deposits ($M) | ▼ | $103 | -7.21 | $111 |
| Shareholders Equity ($M) | ▲ | $17 | +0.71 | $17 |
| Tang. Book Value ($M) | ▲ | $15 | +0.71 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 116.29% | +10.43 | 105.86% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.69 | 0.69% |
| Allowance / Loans (%) | — | 0.70% | -0.24% | 0.95% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.86 | 0.86% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▅▇█ | Net Interest Margin (%) | 3.76% | 3.79% | 4.02% | 4.13% | 4.18% | 4.15% | 4.31% | 4.44% |
| ▃▃▁▂▂▃▆█ | Return on Assets (%) | 0.82% | 0.79% | 0.64% | 0.75% | 0.75% | 0.85% | 1.06% | 1.19% |
| ▅▆█▇▇▆▃▁ | Efficiency Ratio (%) | 74.8% | 75.9% | 78.8% | 77.7% | 77.5% | 75.6% | 72.5% | 70.1% |
| ██▅▃▃▅▃▁ | Cost of Funds (%) | 1.90% | 1.86% | 1.67% | 1.53% | 1.51% | 1.66% | 1.50% | 1.37% |
| █▆▇▇▆▆▁▁ | NPA / Assets (%) | 0.82% | 0.60% | 0.65% | 0.69% | 0.54% | 0.58% | 0.02% | 0.00% |
| █▆▇▇▆▆▁▁ | Net Charge-Off Ratio (%) | 1.03% | 0.74% | 0.81% | 0.86% | 0.67% | 0.70% | 0.02% | 0.00% |
| ▁▁▁▄▄█▅█ | Tang. Book Value ($M) | $14 | $14 | $14 | $14 | $14 | $15 | $14 | $15 |
| ▇█▃▁▂▆▃▂ | Gross Loans ($M) | $131 | $133 | $123 | $118 | $122 | $129 | $123 | $121 |
| █▆█▅▃▅▆▁ | Total Deposits ($M) | $115 | $113 | $116 | $111 | $107 | $110 | $111 | $103 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 61% |
| C&I / Commercial | 6% |
| Agricultural | 31% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 8% |