Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.50% | +0.35 | 1.16% |
| Return on Equity (%) | ▲ | 11.62% | +0.98 | 10.64% |
| Net Interest Margin (%) | ▲ | 4.08% | +0.62 | 3.45% |
| Efficiency Ratio (%) | ▲ | 63.61% | -2.54 | 66.15% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.02 | $1 |
| Cost of Funds (%) | ▲ | 1.37% | -0.79 | 2.16% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $227 | +9.70 | $217 |
| Gross Loans ($M) | ▲ | $151 | +22.33 | $128 |
| Loan Growth YoY (%) | ▲ | 82.22% | +11.59 | 70.64% |
| Total Deposits ($M) | ▲ | $181 | +1.66 | $180 |
| Shareholders Equity ($M) | ▲ | $30 | +2.90 | $27 |
| Tang. Book Value ($M) | ▲ | $29 | +2.90 | $26 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +2.27 | $29 |
| Loan / Deposit Ratio (%) | ▲ | 82.22% | +11.59 | 70.64% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.16% | -0.08% | 1.25% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▄▅██ | Net Interest Margin (%) | 2.92% | 2.97% | 3.25% | 3.45% | 3.49% | 3.56% | 4.09% | 4.08% |
| ▁▁▄▄▄▄██ | Return on Assets (%) | 0.87% | 0.89% | 1.21% | 1.16% | 1.18% | 1.23% | 1.59% | 1.50% |
| ██▁▄▄▄▁▂ | Efficiency Ratio (%) | 71.7% | 70.8% | 62.3% | 66.1% | 66.3% | 65.6% | 61.4% | 63.6% |
| █▆▅▇▃▂▁▁ | Cost of Funds (%) | 2.40% | 2.05% | 1.90% | 2.16% | 1.69% | 1.51% | 1.46% | 1.37% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▆▇███ | Tang. Book Value ($M) | $18 | $17 | $18 | $26 | $27 | $27 | $28 | $29 |
| ▁▃▃▅▇▆▇█ | Gross Loans ($M) | $95 | $112 | $113 | $128 | $140 | $135 | $139 | $151 |
| ▁▃▅▇▆█▇▇ | Total Deposits ($M) | $128 | $148 | $161 | $180 | $176 | $194 | $185 | $181 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 33% |
| C&I / Commercial | 9% |
| Agricultural | 53% |
| Consumer | 1% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 17% |