Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.09% | +0.05 | 1.04% |
| Return on Equity (%) | ▲ | 10.82% | +0.03 | 10.79% |
| Net Interest Margin (%) | ▲ | 3.85% | +0.12 | 3.73% |
| Efficiency Ratio (%) | ▲ | 62.99% | -3.62 | 66.62% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.13 | $1 |
| Cost of Funds (%) | ▼ | 1.79% | +0.24 | 1.56% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $163 | +21.67 | $141 |
| Gross Loans ($M) | ▲ | $116 | +30.05 | $86 |
| Loan Growth YoY (%) | ▲ | 78.81% | +11.93 | 66.88% |
| Total Deposits ($M) | ▲ | $146 | +18.86 | $127 |
| Shareholders Equity ($M) | ▲ | $16 | +2.65 | $14 |
| Tang. Book Value ($M) | ▲ | $16 | +2.65 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +2.49 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 78.81% | +11.93 | 66.88% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.91% | -0.24% | 1.15% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▄▆▆▇█ | Net Interest Margin (%) | 3.65% | 3.66% | 3.66% | 3.73% | 3.78% | 3.80% | 3.81% | 3.85% |
| ▁▁▄▆█▆▄▇ | Return on Assets (%) | 0.87% | 0.85% | 0.96% | 1.04% | 1.14% | 1.06% | 0.99% | 1.09% |
| ▇█▇▄▃▄▂▁ | Efficiency Ratio (%) | 69.2% | 70.4% | 68.7% | 66.6% | 65.0% | 66.6% | 64.5% | 63.0% |
| ▁▄▂▂▂▃▃█ | Cost of Funds (%) | 1.48% | 1.62% | 1.54% | 1.56% | 1.55% | 1.57% | 1.58% | 1.79% |
| ▁▁▁▁█▁▂▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▁█▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.01% | 0.00% |
| ▂▁▂▃▅▆██ | Tang. Book Value ($M) | $13 | $13 | $14 | $14 | $15 | $15 | $16 | $16 |
| ▁▁▂▂▃▆▇█ | Gross Loans ($M) | $81 | $85 | $86 | $86 | $91 | $104 | $111 | $116 |
| ▁▁▂▃▃▄██ | Total Deposits ($M) | $121 | $120 | $126 | $127 | $128 | $131 | $146 | $146 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 6% |
| Agricultural | 1% |
| Consumer | 6% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 11% |