Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.39% | +0.12 | 1.27% |
| Return on Equity (%) | ▲ | 11.06% | +0.54 | 10.52% |
| Net Interest Margin (%) | ▲ | 3.41% | +0.22 | 3.20% |
| Efficiency Ratio (%) | ▲ | 44.60% | -0.21 | 44.81% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.09 | $0 |
| Cost of Funds (%) | ▲ | 1.52% | -0.19 | 1.71% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $108 | +6.79 | $101 |
| Gross Loans ($M) | ▲ | $69 | +1.46 | $68 |
| Loan Growth YoY (%) | ▼ | 72.92% | -3.03 | 75.95% |
| Total Deposits ($M) | ▲ | $94 | +5.64 | $88 |
| Shareholders Equity ($M) | ▲ | $14 | +1.25 | $12 |
| Tang. Book Value ($M) | ▲ | $14 | +1.25 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +1.58 | $14 |
| Loan / Deposit Ratio (%) | ▼ | 72.92% | -3.03 | 75.95% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.00% | 0.02% | 0.99% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▁▁▂▃▃▅█ | Net Interest Margin (%) | 3.19% | 3.16% | 3.15% | 3.20% | 3.22% | 3.24% | 3.29% | 3.41% |
| ▃▁▆▅▄▃▆█ | Return on Assets (%) | 1.19% | 1.12% | 1.29% | 1.27% | 1.23% | 1.21% | 1.29% | 1.39% |
| ▂█▅▁▃█▆▁ | Efficiency Ratio (%) | 45.2% | 48.0% | 46.5% | 44.8% | 45.9% | 48.2% | 47.2% | 44.6% |
| ██▄▅▇▅▂▁ | Cost of Funds (%) | 1.83% | 1.79% | 1.66% | 1.71% | 1.79% | 1.70% | 1.57% | 1.52% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▃▄▅▆▇█ | Tang. Book Value ($M) | $12 | $12 | $12 | $12 | $13 | $13 | $13 | $14 |
| ▁▂▃▆▆▇▇█ | Gross Loans ($M) | $64 | $65 | $66 | $68 | $67 | $68 | $68 | $69 |
| ▁▂▅▄▄▆██ | Total Deposits ($M) | $83 | $86 | $89 | $88 | $88 | $91 | $95 | $94 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 13% |
| Agricultural | 1% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 11% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 22% |