Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.11% | -0.20 | 1.30% |
| Return on Equity (%) | ▼ | 15.68% | -3.03 | 18.71% |
| Net Interest Margin (%) | ▲ | 4.85% | +0.10 | 4.75% |
| Efficiency Ratio (%) | ▼ | 75.72% | +3.97 | 71.75% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.04 | $0 |
| Cost of Funds (%) | ▲ | 1.39% | -0.17 | 1.56% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $130 | +18.23 | $111 |
| Gross Loans ($M) | ▲ | $102 | +10.06 | $92 |
| Loan Growth YoY (%) | ▼ | 84.32% | -4.03 | 88.35% |
| Total Deposits ($M) | ▲ | $120 | +16.73 | $103 |
| Shareholders Equity ($M) | ▲ | $9 | +1.11 | $8 |
| Tang. Book Value ($M) | ▲ | $9 | +1.11 | $8 |
| Loan / Deposit Ratio (%) | ▼ | 84.32% | -4.03 | 88.35% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.96% | 0.00% | 0.96% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 10.52% | -0.36 | 10.87% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▇██▇█ | Net Interest Margin (%) | 4.38% | 4.42% | 4.65% | 4.75% | 4.84% | 4.85% | 4.79% | 4.85% |
| ▁▁▇▇█▆▆▃ | Return on Assets (%) | 0.97% | 1.01% | 1.32% | 1.30% | 1.41% | 1.30% | 1.26% | 1.11% |
| ▆▆▂▃▁▃▃█ | Efficiency Ratio (%) | 74.1% | 74.2% | 70.7% | 71.7% | 69.8% | 71.9% | 71.6% | 75.7% |
| █▇▆▄▂▁▂▁ | Cost of Funds (%) | 1.82% | 1.75% | 1.69% | 1.56% | 1.48% | 1.43% | 1.46% | 1.39% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▄▆▆▇█ | Tang. Book Value ($M) | $7 | $7 | $8 | $8 | $8 | $9 | $9 | $9 |
| ▁▁▂▃▃▄▅█ | Gross Loans ($M) | $87 | $87 | $90 | $92 | $91 | $93 | $96 | $102 |
| ▁▂▂▃▃▆▇█ | Total Deposits ($M) | $96 | $101 | $100 | $103 | $102 | $113 | $114 | $120 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 87% |
| C&I / Commercial | 8% |
| Agricultural | 1% |
| Consumer | 3% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 9% |