Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.22% | +0.21 | 1.02% |
| Return on Equity (%) | ▲ | 12.57% | +1.50 | 11.07% |
| Net Interest Margin (%) | ▲ | 4.87% | +0.24 | 4.63% |
| Efficiency Ratio (%) | ▲ | 67.83% | -1.92 | 69.75% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.13 | $1 |
| Cost of Funds (%) | ▼ | 1.77% | +0.10 | 1.67% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $155 | +7.38 | $148 |
| Gross Loans ($M) | ▲ | $126 | +5.89 | $120 |
| Loan Growth YoY (%) | ▲ | 98.12% | +1.44 | 96.67% |
| Total Deposits ($M) | ▲ | $127 | +4.13 | $123 |
| Shareholders Equity ($M) | ▲ | $15 | +1.74 | $14 |
| Tang. Book Value ($M) | ▲ | $15 | +1.70 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 98.12% | +1.44 | 96.67% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.03% | -0.39 | 0.42% |
| Allowance / Loans (%) | — | 1.10% | -0.00% | 1.11% |
| Net Charge-Off Ratio (%) | ▲ | 0.04% | -0.48 | 0.52% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▅▆▆██ | Net Interest Margin (%) | 4.30% | 4.41% | 4.56% | 4.63% | 4.67% | 4.71% | 4.81% | 4.87% |
| ▁▃▄▅▄▄▇█ | Return on Assets (%) | 0.80% | 0.92% | 1.00% | 1.02% | 1.00% | 0.99% | 1.12% | 1.22% |
| █▄▄▃▄▅▂▁ | Efficiency Ratio (%) | 74.0% | 70.9% | 70.4% | 69.7% | 70.2% | 71.0% | 69.4% | 67.8% |
| █▄▁▁▄▃▃▆ | Cost of Funds (%) | 1.83% | 1.74% | 1.68% | 1.67% | 1.74% | 1.73% | 1.73% | 1.77% |
| ▃▃▁▃▅▃█▁ | NPA / Assets (%) | 0.38% | 0.36% | 0.08% | 0.42% | 0.63% | 0.37% | 1.10% | 0.03% |
| ▃▂▁▃▅▃█▁ | Net Charge-Off Ratio (%) | 0.49% | 0.36% | 0.10% | 0.52% | 0.78% | 0.45% | 1.34% | 0.04% |
| ▃▁▂▃▅▆▇█ | Tang. Book Value ($M) | $13 | $12 | $13 | $13 | $14 | $14 | $15 | $15 |
| ▁▁▁▅▄▇██ | Gross Loans ($M) | $114 | $114 | $115 | $120 | $120 | $124 | $125 | $126 |
| ▇▂▁▅▄▃▅█ | Total Deposits ($M) | $125 | $120 | $118 | $123 | $122 | $121 | $123 | $127 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 2% |
| Agricultural | 9% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 20% |