Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.07% | +0.82 | 0.25% |
| Return on Equity (%) | ▲ | 9.28% | +7.35 | 1.93% |
| Net Interest Margin (%) | ▲ | 4.25% | +0.31 | 3.94% |
| Efficiency Ratio (%) | ▲ | 71.73% | -18.51 | 90.24% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.28 | $0 |
| Cost of Funds (%) | ▲ | 2.09% | -0.30 | 2.39% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $139 | +24.75 | $114 |
| Gross Loans ($M) | ▲ | $113 | +18.68 | $95 |
| Loan Growth YoY (%) | ▼ | 92.02% | -3.29 | 95.31% |
| Total Deposits ($M) | ▲ | $122 | +23.58 | $98 |
| Shareholders Equity ($M) | ▲ | $16 | +1.03 | $15 |
| Tang. Book Value ($M) | ▲ | $16 | +1.03 | $15 |
| Loan / Deposit Ratio (%) | ▼ | 92.02% | -3.29 | 95.31% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.00% | 0.02% | 0.98% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 13.89% | -3.19 | 17.08% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▅▇█▇█ | Net Interest Margin (%) | 3.52% | 3.64% | 3.86% | 3.94% | 4.12% | 4.18% | 4.07% | 4.25% |
| ▂▃▁▂▄▅██ | Return on Assets (%) | 0.28% | 0.36% | 0.04% | 0.25% | 0.50% | 0.67% | 1.04% | 1.07% |
| ▆▅█▆▄▃▁▁ | Efficiency Ratio (%) | 89.5% | 87.0% | 97.0% | 90.2% | 82.9% | 78.6% | 73.8% | 71.7% |
| █▅▄▅▄▁▁▁ | Cost of Funds (%) | 2.68% | 2.41% | 2.34% | 2.39% | 2.34% | 2.08% | 2.11% | 2.09% |
| █▁▁▁▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| █▁▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▃▅▅▇█ | Tang. Book Value ($M) | $15 | $15 | $15 | $15 | $15 | $15 | $16 | $16 |
| ▁▂▂▃▅▇▆█ | Gross Loans ($M) | $85 | $89 | $91 | $95 | $99 | $109 | $105 | $113 |
| ▁▁▄▃▅▇██ | Total Deposits ($M) | $89 | $92 | $103 | $98 | $109 | $114 | $119 | $122 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 20% |
| Agricultural | 1% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 23% |