Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.23% | +0.52 | 0.71% |
| Return on Equity (%) | ▲ | 14.13% | +4.76 | 9.37% |
| Net Interest Margin (%) | ▲ | 3.81% | +0.46 | 3.35% |
| Efficiency Ratio (%) | ▲ | 59.95% | -6.68 | 66.63% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.63 | $2 |
| Cost of Funds (%) | ▲ | 1.83% | -0.22 | 2.05% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $660 | +10.63 | $649 |
| Gross Loans ($M) | ▲ | $495 | +29.04 | $466 |
| Loan Growth YoY (%) | ▼ | 87.03% | -0.95 | 87.98% |
| Total Deposits ($M) | ▲ | $560 | +38.19 | $522 |
| Shareholders Equity ($M) | ▲ | $60 | +9.12 | $51 |
| Tang. Book Value ($M) | ▲ | $59 | +9.21 | $50 |
| TBV excl. AOCI ($M)** | ▲ | $66 | +8.24 | $58 |
| Loan / Deposit Ratio (%) | ▼ | 87.03% | -0.95 | 87.98% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.50% | 0.07% | 1.43% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 2.77% | 2.81% | 3.22% | 3.35% | 3.38% | 3.46% | 3.74% | 3.81% |
| ▁▂▁▃▄▅██ | Return on Assets (%) | 0.56% | 0.59% | 0.49% | 0.71% | 0.79% | 0.88% | 1.19% | 1.23% |
| ██▅▄▃▃▁▁ | Efficiency Ratio (%) | 74.1% | 74.2% | 68.8% | 66.6% | 65.2% | 64.7% | 60.0% | 60.0% |
| █▇▄▃▄▃▁▁ | Cost of Funds (%) | 2.55% | 2.39% | 2.16% | 2.05% | 2.19% | 2.05% | 1.85% | 1.83% |
| ▁▁▁█▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▁█▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▂▁▁▃▅▇▇█ | Tang. Book Value ($M) | $48 | $46 | $48 | $50 | $54 | $57 | $57 | $59 |
| ▁▂▁▄▇█▆▇ | Gross Loans ($M) | $430 | $442 | $437 | $466 | $487 | $505 | $486 | $495 |
| ▁▄▄▃▃▆█▇ | Total Deposits ($M) | $498 | $528 | $535 | $522 | $517 | $554 | $574 | $560 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 11% |
| Agricultural | 16% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 12% |