Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.53% | +0.03 | 1.50% |
| Return on Equity (%) | ▼ | 13.66% | -1.58 | 15.24% |
| Net Interest Margin (%) | ▲ | 5.56% | +0.33 | 5.24% |
| Efficiency Ratio (%) | ▼ | 61.54% | +1.14 | 60.40% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.03 | $1 |
| Cost of Funds (%) | ▲ | 1.73% | -0.21 | 1.94% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $179 | -0.10 | $179 |
| Gross Loans ($M) | ▼ | $139 | -2.03 | $141 |
| Loan Growth YoY (%) | ▼ | 88.41% | -1.66 | 90.07% |
| Total Deposits ($M) | ▲ | $156 | +0.68 | $155 |
| Shareholders Equity ($M) | ▲ | $20 | +2.37 | $18 |
| Tang. Book Value ($M) | ▲ | $19 | +2.54 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 88.41% | -1.66 | 90.07% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.11% | +0.00 | 0.11% |
| Allowance / Loans (%) | — | 1.06% | -0.02% | 1.08% |
| Net Charge-Off Ratio (%) | ▼ | 0.15% | +0.01 | 0.14% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▄▆██ | Net Interest Margin (%) | 5.14% | 5.12% | 5.09% | 5.24% | 5.29% | 5.44% | 5.58% | 5.56% |
| ▂▂▁▅▅█▆▆ | Return on Assets (%) | 1.37% | 1.40% | 1.33% | 1.50% | 1.49% | 1.61% | 1.51% | 1.53% |
| ▇▆█▅▄▁█▇ | Efficiency Ratio (%) | 61.5% | 60.9% | 62.0% | 60.4% | 60.3% | 58.6% | 61.9% | 61.5% |
| ██▇▅▃▂▁▁ | Cost of Funds (%) | 2.05% | 2.07% | 2.00% | 1.94% | 1.84% | 1.79% | 1.75% | 1.73% |
| ▁▃▄▂▅█▁▂ | NPA / Assets (%) | 0.06% | 0.17% | 0.18% | 0.11% | 0.24% | 0.43% | 0.02% | 0.11% |
| ▁▃▄▂▅█▁▂ | Net Charge-Off Ratio (%) | 0.08% | 0.21% | 0.22% | 0.14% | 0.31% | 0.55% | 0.02% | 0.15% |
| ▁▁▁▃▄▅▇█ | Tang. Book Value ($M) | $16 | $16 | $16 | $17 | $17 | $18 | $19 | $19 |
| ▄▅██▃▁▂▅ | Gross Loans ($M) | $139 | $140 | $141 | $141 | $139 | $137 | $138 | $139 |
| ▁▆▇▅█▁▃▆ | Total Deposits ($M) | $152 | $156 | $157 | $155 | $158 | $152 | $154 | $156 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 6% |
| Agricultural | 1% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 18% |