Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.67% | +0.17 | 1.50% |
| Return on Equity (%) | ▲ | 27.02% | +0.34 | 26.68% |
| Net Interest Margin (%) | ▼ | 3.04% | -0.08 | 3.12% |
| Efficiency Ratio (%) | ▲ | 48.12% | -2.29 | 50.41% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.13 | $1 |
| Cost of Funds (%) | ▼ | 1.38% | +0.02 | 1.37% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $294 | +20.51 | $274 |
| Gross Loans ($M) | ▲ | $135 | +10.54 | $124 |
| Loan Growth YoY (%) | ▲ | 48.14% | +0.25 | 47.89% |
| Total Deposits ($M) | ▲ | $275 | +20.27 | $255 |
| Shareholders Equity ($M) | ▲ | $18 | +1.65 | $17 |
| Tang. Book Value ($M) | ▲ | $18 | +1.71 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +2.11 | $24 |
| Loan / Deposit Ratio (%) | ▲ | 48.14% | +0.25 | 47.89% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.54% | -0.02% | 1.56% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 18.32% | -2.09 | 20.40% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▅▅▆▅▁▃ | Net Interest Margin (%) | 3.21% | 3.15% | 3.11% | 3.12% | 3.13% | 3.09% | 2.97% | 3.04% |
| ▃▂▁▂▃██▇ | Return on Assets (%) | 1.53% | 1.51% | 1.45% | 1.50% | 1.54% | 1.71% | 1.70% | 1.67% |
| ▇▇██▇▁▄▄ | Efficiency Ratio (%) | 49.8% | 49.7% | 50.9% | 50.4% | 50.2% | 46.2% | 48.3% | 48.1% |
| ▅▁▃▆█▄▆▆ | Cost of Funds (%) | 1.34% | 1.15% | 1.26% | 1.37% | 1.50% | 1.29% | 1.40% | 1.38% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▁▄▅▆███ | Tang. Book Value ($M) | $16 | $14 | $16 | $17 | $17 | $18 | $18 | $18 |
| ▃▅▁▂▅▇▇█ | Gross Loans ($M) | $125 | $128 | $121 | $124 | $129 | $133 | $133 | $135 |
| ▁█▄▃▄█▇▇ | Total Deposits ($M) | $243 | $280 | $262 | $255 | $258 | $282 | $273 | $275 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 8% |
| Agricultural | 10% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 8% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 21% |