Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.56% | +0.05 | 1.51% |
| Return on Equity (%) | ▼ | 17.39% | -1.04 | 18.43% |
| Net Interest Margin (%) | ▲ | 3.72% | +0.26 | 3.46% |
| Efficiency Ratio (%) | ▼ | 51.18% | +2.64 | 48.54% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.01 | $1 |
| Cost of Funds (%) | ▲ | 1.64% | -0.17 | 1.81% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $115 | +2.66 | $112 |
| Gross Loans ($M) | ▼ | $45 | -0.43 | $45 |
| Loan Growth YoY (%) | ▲ | 44.50% | +0.20 | 44.30% |
| Total Deposits ($M) | ▼ | $99 | -1.26 | $100 |
| Shareholders Equity ($M) | ▲ | $10 | +1.44 | $9 |
| Tang. Book Value ($M) | ▲ | $10 | +1.44 | $9 |
| TBV excl. AOCI ($M)** | ▲ | $13 | +1.90 | $12 |
| Loan / Deposit Ratio (%) | ▲ | 44.50% | +0.20 | 44.30% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.24% | -0.13% | 1.37% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▆▆▇█ | Net Interest Margin (%) | 3.23% | 3.26% | 3.36% | 3.46% | 3.58% | 3.60% | 3.65% | 3.72% |
| ▁▁▄▇██▅█ | Return on Assets (%) | 1.26% | 1.23% | 1.38% | 1.51% | 1.54% | 1.54% | 1.42% | 1.56% |
| ▆█▅▁▁▅▆▅ | Efficiency Ratio (%) | 51.8% | 53.0% | 51.0% | 48.5% | 48.5% | 50.9% | 51.4% | 51.2% |
| ██▄▄▆▄▁▁ | Cost of Funds (%) | 2.09% | 2.08% | 1.82% | 1.81% | 1.94% | 1.84% | 1.66% | 1.64% |
| ▁█▁▁▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁█▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▃▁▃▁▅█▇█ | Tang. Book Value ($M) | $9 | $9 | $9 | $9 | $10 | $10 | $10 | $10 |
| ▁▁▆▇█▇▅▅ | Gross Loans ($M) | $44 | $44 | $45 | $45 | $45 | $45 | $45 | $45 |
| ▁▁██▂▄▇▇ | Total Deposits ($M) | $93 | $93 | $100 | $100 | $94 | $96 | $99 | $99 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 5% |
| Agricultural | 3% |
| Consumer | 3% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 21% |