Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.19% | -0.05 | 1.23% |
| Return on Equity (%) | ▼ | 13.58% | -0.25 | 13.83% |
| Net Interest Margin (%) | ▼ | 3.15% | -0.03 | 3.17% |
| Efficiency Ratio (%) | ▼ | 53.34% | +0.47 | 52.86% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.02 | $0 |
| Cost of Funds (%) | ▲ | 1.81% | -0.14 | 1.95% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $104 | +6.98 | $97 |
| Gross Loans ($M) | ▼ | $45 | -0.39 | $45 |
| Loan Growth YoY (%) | ▼ | 47.70% | -4.07 | 51.77% |
| Total Deposits ($M) | ▲ | $93 | +6.62 | $87 |
| Shareholders Equity ($M) | ▲ | $9 | +0.31 | $9 |
| Tang. Book Value ($M) | ▲ | $9 | +0.31 | $9 |
| TBV excl. AOCI ($M)** | ▲ | $10 | +0.43 | $10 |
| Loan / Deposit Ratio (%) | ▼ | 47.70% | -4.07 | 51.77% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.49% | -0.03% | 0.52% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 13.67% | -0.38 | 14.05% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▄▁▅▇█▄▄ | Net Interest Margin (%) | 3.15% | 3.16% | 3.04% | 3.17% | 3.25% | 3.30% | 3.14% | 3.15% |
| █▁▃▆▇▃▄▄ | Return on Assets (%) | 1.30% | 1.09% | 1.16% | 1.23% | 1.25% | 1.15% | 1.18% | 1.19% |
| ▂█▃▃▁▅▄▄ | Efficiency Ratio (%) | 52.7% | 55.4% | 53.0% | 52.9% | 52.0% | 53.7% | 53.5% | 53.3% |
| █▇▅▆▄▃▁▂ | Cost of Funds (%) | 2.08% | 2.03% | 1.92% | 1.95% | 1.87% | 1.84% | 1.73% | 1.81% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▂▁▅▄▇▅█ | Tang. Book Value ($M) | $9 | $9 | $9 | $9 | $9 | $9 | $9 | $9 |
| ▁▄▁▂▄█▃▂ | Gross Loans ($M) | $43 | $47 | $43 | $45 | $48 | $53 | $45 | $45 |
| ▁▃▅▃▄▄█▆ | Total Deposits ($M) | $83 | $88 | $91 | $87 | $89 | $89 | $99 | $93 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 32% |
| C&I / Commercial | 4% |
| Agricultural | 63% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 11% |