Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.62% | +0.29 | 1.33% |
| Return on Equity (%) | ▲ | 15.71% | +0.72 | 14.99% |
| Net Interest Margin (%) | ▲ | 2.84% | +0.38 | 2.47% |
| Efficiency Ratio (%) | ▲ | 42.59% | -3.33 | 45.93% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.28 | $1 |
| Cost of Funds (%) | ▲ | 1.64% | -0.27 | 1.91% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $288 | -2.77 | $290 |
| Gross Loans ($M) | ▲ | $160 | +7.85 | $152 |
| Loan Growth YoY (%) | ▲ | 62.51% | +2.79 | 59.71% |
| Total Deposits ($M) | ▲ | $255 | +1.22 | $254 |
| Shareholders Equity ($M) | ▲ | $31 | +3.20 | $28 |
| Tang. Book Value ($M) | ▲ | $31 | +3.20 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $37 | +3.26 | $33 |
| Loan / Deposit Ratio (%) | ▲ | 62.51% | +2.79 | 59.71% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.28% | -0.01% | 0.30% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.41% | +0.13 | 14.27% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▅▇█ | Net Interest Margin (%) | 2.17% | 2.24% | 2.36% | 2.47% | 2.53% | 2.59% | 2.74% | 2.84% |
| ▁▁▄▄▅▅▇█ | Return on Assets (%) | 1.07% | 1.04% | 1.26% | 1.33% | 1.38% | 1.36% | 1.48% | 1.62% |
| ▇█▃▃▂▄▃▁ | Efficiency Ratio (%) | 50.8% | 53.4% | 46.7% | 45.9% | 44.7% | 46.8% | 45.7% | 42.6% |
| █▁▄▅▄▂▂▁ | Cost of Funds (%) | 2.21% | 1.61% | 1.87% | 1.91% | 1.84% | 1.70% | 1.72% | 1.64% |
| ▁▁▁▁▁█▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.00% |
| ▁▁▁▁▁█▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.07% | 0.01% | 0.00% |
| ▂▁▁▄▇█▅▇ | Tang. Book Value ($M) | $25 | $24 | $25 | $28 | $31 | $32 | $29 | $31 |
| ▂▄▁▁▂█▆▄ | Gross Loans ($M) | $154 | $161 | $149 | $152 | $153 | $174 | $166 | $160 |
| ▁▆█▄▄▂█▄ | Total Deposits ($M) | $247 | $258 | $262 | $254 | $255 | $249 | $264 | $255 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 53% |
| C&I / Commercial | 22% |
| Agricultural | 21% |
| Consumer | 2% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 13% |