Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.74% | +0.43 | 1.31% |
| Return on Equity (%) | ▲ | 14.33% | +2.81 | 11.52% |
| Net Interest Margin (%) | ▲ | 3.55% | +0.46 | 3.09% |
| Efficiency Ratio (%) | ▲ | 46.84% | -9.58 | 56.42% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.32 | $1 |
| Cost of Funds (%) | ▲ | 1.47% | -0.17 | 1.65% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $195 | +6.23 | $188 |
| Gross Loans ($M) | ▲ | $132 | +9.01 | $123 |
| Loan Growth YoY (%) | ▲ | 78.30% | +5.10 | 73.20% |
| Total Deposits ($M) | ▲ | $166 | +0.35 | $166 |
| Shareholders Equity ($M) | ▲ | $25 | +2.98 | $22 |
| Tang. Book Value ($M) | ▲ | $23 | +3.04 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +3.08 | $22 |
| Loan / Deposit Ratio (%) | ▲ | 78.30% | +5.10 | 73.20% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.20% | 0.14% | 1.06% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 2.53% | 2.63% | 3.03% | 3.09% | 3.13% | 3.19% | 3.43% | 3.55% |
| ▁▃▃▄▄▅██ | Return on Assets (%) | 1.03% | 1.23% | 1.24% | 1.31% | 1.34% | 1.40% | 1.74% | 1.74% |
| █▆█▇▆▄▁▁ | Efficiency Ratio (%) | 59.5% | 56.2% | 58.0% | 56.4% | 55.7% | 52.2% | 48.1% | 46.8% |
| █▄▂▃▁▂▁▁ | Cost of Funds (%) | 2.14% | 1.79% | 1.57% | 1.65% | 1.53% | 1.59% | 1.47% | 1.47% |
| █▁▁▁▁▁▂▁ | NPA / Assets (%) | 0.11% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% |
| █▁▁▁▁▁▂▁ | Net Charge-Off Ratio (%) | 0.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.00% |
| ▁▁▂▃▄▆▆█ | Tang. Book Value ($M) | $19 | $19 | $19 | $20 | $21 | $21 | $22 | $23 |
| ▁▂▂▄▅▆▇█ | Gross Loans ($M) | $116 | $119 | $120 | $123 | $124 | $127 | $129 | $132 |
| ▁▄▄▅▇██▅ | Total Deposits ($M) | $153 | $163 | $164 | $166 | $170 | $175 | $173 | $166 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 62% |
| C&I / Commercial | 8% |
| Agricultural | 23% |
| Consumer | 5% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 10% |