Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.41% | +0.27 | 1.13% |
| Return on Equity (%) | ▲ | 15.00% | +2.24 | 12.76% |
| Net Interest Margin (%) | ▲ | 3.56% | +0.19 | 3.37% |
| Efficiency Ratio (%) | ▲ | 51.14% | -6.74 | 57.88% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.38 | $1 |
| Cost of Funds (%) | ▲ | 1.62% | -0.21 | 1.82% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $270 | +12.35 | $257 |
| Gross Loans ($M) | ▲ | $186 | +5.19 | $181 |
| Loan Growth YoY (%) | ▼ | 76.40% | -2.81 | 79.21% |
| Total Deposits ($M) | ▲ | $241 | +15.12 | $226 |
| Shareholders Equity ($M) | ▲ | $28 | +3.27 | $25 |
| Tang. Book Value ($M) | ▲ | $28 | +3.27 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +2.98 | $28 |
| Loan / Deposit Ratio (%) | ▼ | 76.40% | -2.81 | 79.21% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.19% | +0.04 | 0.15% |
| Allowance / Loans (%) | — | 1.10% | -0.04% | 1.14% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.21 | 0.21% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▆▆▆▅▇█ | Net Interest Margin (%) | 2.84% | 2.88% | 3.37% | 3.37% | 3.34% | 3.28% | 3.41% | 3.56% |
| ▁▁▅▅▅▅▇█ | Return on Assets (%) | 0.71% | 0.75% | 1.13% | 1.13% | 1.13% | 1.10% | 1.26% | 1.41% |
| ██▅▅▅▅▁▁ | Efficiency Ratio (%) | 63.4% | 63.3% | 57.9% | 57.9% | 57.8% | 58.3% | 52.6% | 51.1% |
| █▅▂▄▄▁▁▁ | Cost of Funds (%) | 2.23% | 1.98% | 1.73% | 1.82% | 1.85% | 1.57% | 1.57% | 1.62% |
| ▄▂▁▁▃█▄▅ | NPA / Assets (%) | 0.18% | 0.15% | 0.14% | 0.15% | 0.17% | 0.23% | 0.17% | 0.19% |
| █▇▇▆█▆▃▁ | Net Charge-Off Ratio (%) | 0.28% | 0.24% | 0.21% | 0.21% | 0.26% | 0.19% | 0.07% | 0.00% |
| ▂▁▃▄▆▆▇█ | Tang. Book Value ($M) | $23 | $22 | $24 | $25 | $26 | $26 | $27 | $28 |
| ▁▁▃▅▅▆▆█ | Gross Loans ($M) | $173 | $173 | $177 | $181 | $181 | $182 | $181 | $186 |
| ▂▃▄▁▂█▆▃ | Total Deposits ($M) | $239 | $243 | $251 | $226 | $238 | $280 | $263 | $241 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 8% |
| Agricultural | 2% |
| Consumer | 2% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 17% |