Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.89% | +0.26 | 0.64% |
| Return on Equity (%) | ▲ | 13.96% | +1.57 | 12.39% |
| Net Interest Margin (%) | ▲ | 3.38% | +0.40 | 2.97% |
| Efficiency Ratio (%) | ▲ | 66.26% | -6.29 | 72.55% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.25 | $1 |
| Cost of Funds (%) | ▲ | 1.65% | -0.20 | 1.85% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $255 | +8.39 | $246 |
| Gross Loans ($M) | ▲ | $141 | +9.48 | $131 |
| Loan Growth YoY (%) | ▲ | 58.59% | +2.56 | 56.03% |
| Total Deposits ($M) | ▲ | $237 | +5.71 | $232 |
| Shareholders Equity ($M) | ▲ | $17 | +2.58 | $14 |
| Tang. Book Value ($M) | ▲ | $16 | +2.58 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +2.54 | $19 |
| Loan / Deposit Ratio (%) | ▲ | 58.59% | +2.56 | 56.03% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.12% | 0.07% | 1.04% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▄▅▇█ | Net Interest Margin (%) | 2.84% | 2.86% | 2.83% | 2.97% | 3.03% | 3.12% | 3.27% | 3.38% |
| ▂▂▁▃▄▅▇█ | Return on Assets (%) | 0.58% | 0.58% | 0.51% | 0.64% | 0.68% | 0.72% | 0.82% | 0.89% |
| ▇██▆▅▄▃▁ | Efficiency Ratio (%) | 73.5% | 74.5% | 75.5% | 72.6% | 71.6% | 70.2% | 69.6% | 66.3% |
| █▇▅▄▄▃▁▁ | Cost of Funds (%) | 2.07% | 1.99% | 1.85% | 1.85% | 1.81% | 1.77% | 1.63% | 1.65% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▁▃▅▇███ | Tang. Book Value ($M) | $13 | $11 | $12 | $14 | $15 | $16 | $16 | $16 |
| ▂▄▁▃▄█▆█ | Gross Loans ($M) | $129 | $133 | $126 | $131 | $133 | $140 | $136 | $141 |
| ▁▃▇▄▅▅█▇ | Total Deposits ($M) | $223 | $229 | $238 | $232 | $234 | $233 | $242 | $237 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 55% |
| C&I / Commercial | 11% |
| Agricultural | 29% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 5% |