Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.29% | +0.24 | 2.05% |
| Return on Equity (%) | ▲ | 13.92% | +1.13 | 12.79% |
| Net Interest Margin (%) | ▲ | 4.01% | +0.21 | 3.80% |
| Efficiency Ratio (%) | ▲ | 43.35% | -3.39 | 46.74% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.09 | $1 |
| Cost of Funds (%) | ▲ | 1.37% | -0.22 | 1.59% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $144 | +11.92 | $132 |
| Gross Loans ($M) | ▲ | $85 | +7.05 | $78 |
| Loan Growth YoY (%) | ▼ | 70.02% | -0.24 | 70.25% |
| Total Deposits ($M) | ▲ | $120 | +10.38 | $110 |
| Shareholders Equity ($M) | ▲ | $23 | +1.54 | $21 |
| Tang. Book Value ($M) | ▲ | $23 | +1.54 | $21 |
| Loan / Deposit Ratio (%) | ▼ | 70.02% | -0.24 | 70.25% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.06% | -0.09 | 0.14% |
| Allowance / Loans (%) | — | 1.07% | -0.04% | 1.12% |
| Net Charge-Off Ratio (%) | ▲ | 0.09% | -0.15 | 0.24% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▆▇███ | Net Interest Margin (%) | 3.40% | 3.47% | 3.70% | 3.80% | 3.90% | 3.97% | 4.00% | 4.01% |
| ▁▁▄▅▇▇██ | Return on Assets (%) | 1.72% | 1.77% | 1.96% | 2.05% | 2.21% | 2.23% | 2.33% | 2.29% |
| ██▆▅▂▂▁▁ | Efficiency Ratio (%) | 50.7% | 50.2% | 47.7% | 46.7% | 44.0% | 44.3% | 42.4% | 43.3% |
| █▆▄▄▃▃▂▁ | Cost of Funds (%) | 1.88% | 1.75% | 1.61% | 1.59% | 1.54% | 1.50% | 1.44% | 1.37% |
| ▄▄▄▄▁▁█▁ | NPA / Assets (%) | 0.14% | 0.14% | 0.13% | 0.14% | 0.06% | 0.06% | 0.25% | 0.06% |
| ▄▄▄▅▁▁█▁ | Net Charge-Off Ratio (%) | 0.24% | 0.24% | 0.24% | 0.24% | 0.09% | 0.09% | 0.39% | 0.09% |
| ▁▁▃▄▄▆██ | Tang. Book Value ($M) | $20 | $20 | $21 | $21 | $21 | $22 | $23 | $23 |
| ▁▂▃▄▆▇██ | Gross Loans ($M) | $72 | $74 | $76 | $78 | $82 | $84 | $86 | $85 |
| ▁▁▄▃▅▃▅█ | Total Deposits ($M) | $105 | $107 | $112 | $110 | $113 | $110 | $114 | $120 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 2% |
| Agricultural | 4% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 4% |