Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.55% | +0.51 | 2.04% |
| Return on Equity (%) | ▲ | 21.70% | +3.07 | 18.63% |
| Net Interest Margin (%) | ▲ | 4.46% | +0.27 | 4.19% |
| Efficiency Ratio (%) | ▲ | 41.20% | -6.37 | 47.57% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $1 |
| Cost of Funds (%) | ▲ | 1.73% | -0.13 | 1.86% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $128 | +7.87 | $120 |
| Gross Loans ($M) | ▲ | $88 | +7.11 | $81 |
| Loan Growth YoY (%) | ▼ | 91.47% | -0.04 | 91.50% |
| Total Deposits ($M) | ▲ | $95 | +7.65 | $87 |
| Shareholders Equity ($M) | ▲ | $15 | +1.49 | $13 |
| Tang. Book Value ($M) | ▲ | $14 | +1.49 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +1.53 | $14 |
| Loan / Deposit Ratio (%) | ▼ | 91.47% | -0.04 | 91.50% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.09% | +0.09 | 0.00% |
| Allowance / Loans (%) | — | 1.51% | 0.04% | 1.47% |
| Net Charge-Off Ratio (%) | ▼ | 0.13% | +0.13 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆▆▇██ | Net Interest Margin (%) | 3.71% | 3.78% | 4.11% | 4.19% | 4.26% | 4.28% | 4.43% | 4.46% |
| ▁▁▄▄▄▃█▇ | Return on Assets (%) | 1.56% | 1.54% | 2.04% | 2.04% | 2.07% | 1.98% | 2.84% | 2.55% |
| ██▅▅▅▆▁▂ | Efficiency Ratio (%) | 54.1% | 54.4% | 47.0% | 47.6% | 47.1% | 48.7% | 38.9% | 41.2% |
| █▆▃▃▄▁▁▁ | Cost of Funds (%) | 2.10% | 1.98% | 1.85% | 1.86% | 1.87% | 1.77% | 1.75% | 1.73% |
| ▁▁▁▁▁▃█▃ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.13% | 0.35% | 0.09% |
| ▁▁▁▁▁▄█▃ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.20% | 0.52% | 0.13% |
| ▁▁▁▂▅▇█▇ | Tang. Book Value ($M) | $12 | $12 | $12 | $13 | $13 | $14 | $15 | $14 |
| ▃▃▁▄▁▆▆█ | Gross Loans ($M) | $80 | $80 | $76 | $81 | $77 | $84 | $84 | $88 |
| ▁▃▃▃▃█▅█ | Total Deposits ($M) | $83 | $87 | $87 | $87 | $87 | $95 | $90 | $95 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 58% |
| C&I / Commercial | 23% |
| Agricultural | 5% |
| Consumer | 2% |
| Other | 12% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 8% |