Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.81% | +0.12 | 1.69% |
| Return on Equity (%) | ▲ | 20.83% | +0.07 | 20.76% |
| Net Interest Margin (%) | ▼ | 4.78% | -0.00 | 4.78% |
| Efficiency Ratio (%) | ▲ | 58.27% | -4.88 | 63.15% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.02 | $1 |
| Cost of Funds (%) | ▲ | 2.17% | -0.06 | 2.23% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $269 | +19.01 | $250 |
| Gross Loans ($M) | ▲ | $205 | +16.75 | $188 |
| Loan Growth YoY (%) | ▲ | 86.83% | +3.40 | 83.43% |
| Total Deposits ($M) | ▲ | $233 | +10.29 | $223 |
| Shareholders Equity ($M) | ▲ | $24 | +3.34 | $20 |
| Tang. Book Value ($M) | ▲ | $24 | +3.34 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +3.43 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 86.83% | +3.40 | 83.43% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.08% | 0.02% | 1.06% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -11.59 | 11.59% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▇███▇ | Net Interest Margin (%) | 4.40% | 4.50% | 4.63% | 4.78% | 4.87% | 4.88% | 4.88% | 4.78% |
| ▁▂▃▅▆▆█▆ | Return on Assets (%) | 1.32% | 1.47% | 1.56% | 1.69% | 1.74% | 1.82% | 1.99% | 1.81% |
| █▇▆▅▅▃▁▂ | Efficiency Ratio (%) | 68.1% | 65.4% | 64.7% | 63.2% | 62.2% | 60.3% | 55.7% | 58.3% |
| █▆▃▂▁▁▁▁ | Cost of Funds (%) | 2.62% | 2.48% | 2.31% | 2.23% | 2.21% | 2.19% | 2.19% | 2.17% |
| ▁▁▁▁█▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.17% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▁█▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.22% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▃▆▇██ | Tang. Book Value ($M) | $19 | $19 | $20 | $20 | $22 | $22 | $23 | $24 |
| ▂▃▁▄▆▇██ | Gross Loans ($M) | $182 | $184 | $175 | $188 | $198 | $204 | $209 | $205 |
| ▁▁▂▄▄▆█▇ | Total Deposits ($M) | $209 | $206 | $211 | $223 | $223 | $231 | $241 | $233 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 7% |
| Agricultural | 3% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 7% |