Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.12% | +0.31 | 1.81% |
| Return on Equity (%) | ▲ | 20.83% | +1.60 | 19.23% |
| Net Interest Margin (%) | ▲ | 3.96% | +0.28 | 3.69% |
| Efficiency Ratio (%) | ▲ | 46.24% | -1.82 | 48.06% |
| Pre-Provision Profit ($M) | — | $1 | 0.00 | $1 |
| Cost of Funds (%) | ▲ | 0.85% | -0.06 | 0.92% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $97 | +2.94 | $94 |
| Gross Loans ($M) | ▼ | $30 | -2.05 | $32 |
| Loan Growth YoY (%) | ▼ | 32.81% | -3.83 | 36.65% |
| Total Deposits ($M) | ▲ | $86 | +2.08 | $84 |
| Shareholders Equity ($M) | ▲ | $10 | +0.92 | $9 |
| Tang. Book Value ($M) | ▲ | $10 | +0.92 | $9 |
| TBV excl. AOCI ($M)** | ▲ | $13 | +1.21 | $12 |
| Loan / Deposit Ratio (%) | ▼ | 32.81% | -3.83 | 36.65% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.50% | +0.50 | 0.00% |
| Allowance / Loans (%) | — | 6.33% | 1.88% | 4.45% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▇▇█ | Net Interest Margin (%) | 3.27% | 3.33% | 3.53% | 3.69% | 3.76% | 3.80% | 3.86% | 3.96% |
| ▄▁▇▇▇▁██ | Return on Assets (%) | 1.27% | 0.56% | 1.75% | 1.81% | 1.84% | 0.65% | 2.14% | 2.12% |
| ▃█▂▁▁▆▁▁ | Efficiency Ratio (%) | 57.3% | 79.5% | 50.3% | 48.1% | 49.0% | 68.1% | 45.4% | 46.2% |
| ▇█▆▃▂▁▁▁ | Cost of Funds (%) | 1.05% | 1.09% | 1.02% | 0.92% | 0.89% | 0.87% | 0.88% | 0.85% |
| ▁▁▁▁▁███ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.53% | 0.49% | 0.50% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▅▁▃▅█▅▆█ | Tang. Book Value ($M) | $9 | $8 | $9 | $9 | $10 | $9 | $10 | $10 |
| ▁▁▆▇█▅▄▃ | Gross Loans ($M) | $29 | $29 | $31 | $32 | $33 | $31 | $31 | $30 |
| ▁▁▇▅▄▃█▆ | Total Deposits ($M) | $78 | $78 | $87 | $84 | $83 | $81 | $89 | $86 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 54% |
| C&I / Commercial | 24% |
| Agricultural | 10% |
| Consumer | 12% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 8% |