Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.49% | +0.04 | 1.45% |
| Return on Equity (%) | ▲ | 11.50% | +0.71 | 10.79% |
| Net Interest Margin (%) | ▼ | 4.55% | -0.24 | 4.78% |
| Efficiency Ratio (%) | ▲ | 56.83% | -2.73 | 59.55% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.17 | $1 |
| Cost of Funds (%) | ▼ | 1.09% | +0.03 | 1.06% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $270 | +25.89 | $244 |
| Gross Loans ($M) | ▲ | $148 | +20.65 | $127 |
| Loan Growth YoY (%) | ▲ | 62.75% | +3.42 | 59.33% |
| Total Deposits ($M) | ▲ | $233 | +21.48 | $211 |
| Shareholders Equity ($M) | ▲ | $34 | +4.26 | $30 |
| Tang. Book Value ($M) | ▲ | $34 | +4.26 | $30 |
| TBV excl. AOCI ($M)** | ▲ | $37 | +4.23 | $33 |
| Loan / Deposit Ratio (%) | ▲ | 62.75% | +3.42 | 59.33% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.25% | -0.25% | 1.51% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▁███▂▃ | Net Interest Margin (%) | 4.44% | 4.49% | 4.49% | 4.78% | 4.80% | 4.83% | 4.52% | 4.55% |
| ▁▁▂▄██▄▅ | Return on Assets (%) | 1.16% | 1.20% | 1.27% | 1.45% | 1.75% | 1.68% | 1.45% | 1.49% |
| ██▆▃▂▂▂▁ | Efficiency Ratio (%) | 64.5% | 63.6% | 61.9% | 59.6% | 57.8% | 58.7% | 58.3% | 56.8% |
| ▃▂▁▇▇█▆█ | Cost of Funds (%) | 0.94% | 0.90% | 0.87% | 1.06% | 1.07% | 1.10% | 1.03% | 1.09% |
| ▁█▁▁▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.23% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁█▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.40% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▅▇▇██ | Tang. Book Value ($M) | $25 | $25 | $26 | $30 | $32 | $33 | $33 | $34 |
| ▁▁▁▅▆▇▇█ | Gross Loans ($M) | $98 | $101 | $99 | $127 | $135 | $140 | $141 | $148 |
| ▁▁▁▇▇▆▇█ | Total Deposits ($M) | $145 | $149 | $156 | $211 | $212 | $210 | $220 | $233 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 8% |
| Agricultural | 9% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 35% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 10% |