Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.27% | -0.28 | 2.55% |
| Return on Equity (%) | ▼ | 23.21% | -1.92 | 25.13% |
| Net Interest Margin (%) | ▼ | 4.14% | -0.61 | 4.75% |
| Efficiency Ratio (%) | ▲ | 43.53% | -0.71 | 44.24% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.06 | $2 |
| Cost of Funds (%) | ▲ | 2.13% | -0.10 | 2.23% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $310 | +37.80 | $272 |
| Gross Loans ($M) | ▼ | $175 | -5.55 | $181 |
| Loan Growth YoY (%) | ▼ | 63.47% | -11.97 | 75.44% |
| Total Deposits ($M) | ▲ | $273 | +35.88 | $238 |
| Shareholders Equity ($M) | ▲ | $30 | +2.87 | $28 |
| Tang. Book Value ($M) | ▲ | $30 | +2.87 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +3.86 | $29 |
| Loan / Deposit Ratio (%) | ▼ | 63.47% | -11.97 | 75.44% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.01% | +0.01 | 0.00% |
| Allowance / Loans (%) | — | 0.83% | 0.09% | 0.74% |
| Net Charge-Off Ratio (%) | ▼ | 0.01% | +0.01 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -14.55 | 14.55% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▅▅▅▅▁▁ | Net Interest Margin (%) | 5.19% | 5.12% | 4.77% | 4.75% | 4.71% | 4.64% | 4.08% | 4.14% |
| ██▄▅▅▄▁▂ | Return on Assets (%) | 2.94% | 2.86% | 2.47% | 2.55% | 2.56% | 2.53% | 2.17% | 2.27% |
| ▁▁█▅▄▄▇▄ | Efficiency Ratio (%) | 41.3% | 41.9% | 46.3% | 44.2% | 43.6% | 43.4% | 45.5% | 43.5% |
| █▇▂▃▂▄▁▁ | Cost of Funds (%) | 2.53% | 2.46% | 2.20% | 2.23% | 2.23% | 2.30% | 2.14% | 2.13% |
| █▅▁▁▁▁▁▁ | NPA / Assets (%) | 0.07% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% |
| █▅▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.10% | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% |
| ▁▁▂▄▅▇▇█ | Tang. Book Value ($M) | $26 | $26 | $27 | $28 | $29 | $29 | $30 | $30 |
| ▄▁▁▇█▆█▅ | Gross Loans ($M) | $173 | $165 | $167 | $181 | $184 | $178 | $184 | $175 |
| ▁▂▂▄▇███ | Total Deposits ($M) | $214 | $225 | $228 | $238 | $260 | $269 | $268 | $273 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 37% |
| C&I / Commercial | 7% |
| Agricultural | 56% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 9% |