Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.93% | +0.31 | 1.62% |
| Return on Equity (%) | ▲ | 19.17% | +2.80 | 16.37% |
| Net Interest Margin (%) | ▲ | 3.69% | +0.23 | 3.46% |
| Efficiency Ratio (%) | ▲ | 45.83% | -5.77 | 51.60% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.14 | $2 |
| Cost of Funds (%) | ▲ | 1.91% | -0.13 | 2.05% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $427 | +14.28 | $413 |
| Gross Loans ($M) | ▲ | $354 | +5.92 | $348 |
| Loan Growth YoY (%) | ▼ | 95.12% | -3.63 | 98.75% |
| Total Deposits ($M) | ▲ | $367 | +19.47 | $347 |
| Shareholders Equity ($M) | ▲ | $45 | +2.47 | $43 |
| Tang. Book Value ($M) | ▲ | $45 | +2.47 | $42 |
| TBV excl. AOCI ($M)** | ▲ | $47 | +2.70 | $44 |
| Loan / Deposit Ratio (%) | ▼ | 95.12% | -3.63 | 98.75% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.41% | -0.02% | 1.43% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▆▇███ | Net Interest Margin (%) | 2.95% | 3.01% | 3.30% | 3.46% | 3.55% | 3.61% | 3.66% | 3.69% |
| ▂▁▄▆▇▇██ | Return on Assets (%) | 1.08% | 0.95% | 1.36% | 1.62% | 1.73% | 1.76% | 1.94% | 1.93% |
| ▇█▅▃▂▂▁▁ | Efficiency Ratio (%) | 61.5% | 65.2% | 57.2% | 51.6% | 49.5% | 49.4% | 45.2% | 45.8% |
| ██▄▅▃▁▁▁ | Cost of Funds (%) | 2.17% | 2.18% | 2.01% | 2.05% | 1.97% | 1.92% | 1.89% | 1.91% |
| █▄▁▁▁▁▁▁ | NPA / Assets (%) | 0.35% | 0.13% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▃▁▃▅█▅██ | Tang. Book Value ($M) | $41 | $40 | $41 | $42 | $44 | $42 | $44 | $45 |
| ▁▁▂▄▇█▅▇ | Gross Loans ($M) | $337 | $339 | $341 | $348 | $354 | $359 | $350 | $354 |
| ▁▁▃▁▄▅█▅ | Total Deposits ($M) | $350 | $350 | $360 | $347 | $362 | $370 | $385 | $367 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 11% |
| Agricultural | 10% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 12% |