Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.42% | +0.11 | 1.31% |
| Return on Equity (%) | ▲ | 16.01% | +0.95 | 15.06% |
| Net Interest Margin (%) | ▲ | 3.22% | +0.17 | 3.05% |
| Efficiency Ratio (%) | ▲ | 44.18% | -2.75 | 46.93% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.49 | $2 |
| Cost of Funds (%) | ▲ | 1.82% | -0.03 | 1.85% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $507 | +73.58 | $433 |
| Gross Loans ($M) | ▲ | $316 | +44.31 | $272 |
| Loan Growth YoY (%) | ▼ | 68.52% | -0.46 | 68.98% |
| Total Deposits ($M) | ▲ | $457 | +66.64 | $390 |
| Shareholders Equity ($M) | ▲ | $45 | +6.00 | $39 |
| Tang. Book Value ($M) | ▲ | $45 | +6.00 | $39 |
| TBV excl. AOCI ($M)** | ▲ | $53 | +6.31 | $46 |
| Loan / Deposit Ratio (%) | ▼ | 68.52% | -0.46 | 68.98% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.05% | -0.00% | 1.06% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▅▆▇▇█ | Net Interest Margin (%) | 2.85% | 2.90% | 2.96% | 3.05% | 3.10% | 3.13% | 3.15% | 3.22% |
| ▁▂▁▄▆▇▇█ | Return on Assets (%) | 1.22% | 1.25% | 1.24% | 1.31% | 1.36% | 1.38% | 1.38% | 1.42% |
| ██▇▄▄▃▃▁ | Efficiency Ratio (%) | 50.6% | 50.4% | 49.1% | 46.9% | 46.6% | 46.4% | 45.8% | 44.2% |
| █▇▁▅▂▄▁▃ | Cost of Funds (%) | 1.92% | 1.90% | 1.78% | 1.85% | 1.79% | 1.84% | 1.77% | 1.82% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▁▃▄▇▇██ | Tang. Book Value ($M) | $39 | $35 | $38 | $39 | $43 | $43 | $44 | $45 |
| ▁▁▂▃▄▅▆█ | Gross Loans ($M) | $249 | $252 | $262 | $272 | $280 | $287 | $296 | $316 |
| ▁▁▃▂▃▅██ | Total Deposits ($M) | $383 | $375 | $399 | $390 | $402 | $424 | $458 | $457 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 4% |
| Agricultural | 2% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 50% |
| Brokered / Other | 26% |