Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.21% | +0.37 | 1.84% |
| Return on Equity (%) | ▲ | 19.87% | +3.51 | 16.36% |
| Net Interest Margin (%) | ▲ | 4.24% | +0.16 | 4.08% |
| Efficiency Ratio (%) | ▲ | 45.51% | -5.09 | 50.60% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.12 | $1 |
| Cost of Funds (%) | ▼ | 2.05% | +0.04 | 2.01% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $113 | +10.67 | $102 |
| Gross Loans ($M) | ▲ | $95 | +8.73 | $86 |
| Loan Growth YoY (%) | ▼ | 97.20% | -0.10 | 97.30% |
| Total Deposits ($M) | ▲ | $97 | +8.99 | $88 |
| Shareholders Equity ($M) | ▲ | $13 | +1.31 | $12 |
| Tang. Book Value ($M) | ▲ | $13 | +1.31 | $12 |
| Loan / Deposit Ratio (%) | ▼ | 97.20% | -0.10 | 97.30% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.15 | 0.15% |
| Allowance / Loans (%) | — | 1.03% | -0.00% | 1.04% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.18 | 0.18% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▅▁▅▆▇▇█ | Net Interest Margin (%) | 4.13% | 4.11% | 3.89% | 4.08% | 4.15% | 4.16% | 4.17% | 4.24% |
| ▆▆▁▄▆▆█▇ | Return on Assets (%) | 2.14% | 2.08% | 1.50% | 1.84% | 2.07% | 2.10% | 2.38% | 2.21% |
| ███▇▅▅▁▂ | Efficiency Ratio (%) | 50.9% | 51.7% | 50.9% | 50.6% | 47.9% | 48.1% | 43.8% | 45.5% |
| ▁▇▃▆█▅▇█ | Cost of Funds (%) | 1.90% | 2.03% | 1.95% | 2.01% | 2.05% | 1.99% | 2.03% | 2.05% |
| ▁▁█▂▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 1.07% | 0.15% | 0.00% | 0.08% | 0.08% | 0.00% |
| ▁▁█▂▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 1.32% | 0.18% | 0.00% | 0.10% | 0.10% | 0.00% |
| ▁▁▁▃▅▇▆█ | Tang. Book Value ($M) | $11 | $11 | $11 | $12 | $12 | $13 | $12 | $13 |
| ▁▂▂▄▅▇█▇ | Gross Loans ($M) | $79 | $81 | $82 | $86 | $90 | $94 | $98 | $95 |
| ▁▂▄▄▅███ | Total Deposits ($M) | $80 | $83 | $88 | $88 | $89 | $98 | $98 | $97 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 8% |
| Agricultural | 17% |
| Consumer | 1% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 16% |