Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.90% | +0.30 | 1.60% |
| Return on Equity (%) | ▲ | 18.99% | +2.36 | 16.63% |
| Net Interest Margin (%) | ▲ | 3.71% | +0.31 | 3.39% |
| Efficiency Ratio (%) | ▲ | 42.26% | -4.58 | 46.84% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.25 | $1 |
| Cost of Funds (%) | ▲ | 0.85% | -0.14 | 0.99% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $260 | +20.58 | $239 |
| Gross Loans ($M) | ▲ | $93 | +5.55 | $88 |
| Loan Growth YoY (%) | ▼ | 39.86% | -0.76 | 40.62% |
| Total Deposits ($M) | ▲ | $232 | +18.00 | $214 |
| Shareholders Equity ($M) | ▲ | $25 | +2.54 | $23 |
| Tang. Book Value ($M) | ▲ | $25 | +2.54 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +3.18 | $28 |
| Loan / Deposit Ratio (%) | ▼ | 39.86% | -0.76 | 40.62% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.45% | -0.03% | 0.48% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 23.25% | +1.51 | 21.75% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▆▇██ | Net Interest Margin (%) | 3.21% | 3.16% | 3.33% | 3.39% | 3.55% | 3.61% | 3.70% | 3.71% |
| ▁▁▃▄▆▇██ | Return on Assets (%) | 1.33% | 1.35% | 1.49% | 1.60% | 1.75% | 1.78% | 1.88% | 1.90% |
| ██▅▄▂▁▁▁ | Efficiency Ratio (%) | 53.7% | 52.5% | 49.3% | 46.8% | 44.0% | 43.2% | 43.4% | 42.3% |
| ██▇▄▃▂▁▁ | Cost of Funds (%) | 1.22% | 1.19% | 1.16% | 0.99% | 0.95% | 0.92% | 0.88% | 0.85% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $22 | $22 | $22 | $23 | $24 | $24 | $25 | $25 |
| ▆▁▁▃▃▅▂█ | Gross Loans ($M) | $90 | $85 | $86 | $88 | $88 | $89 | $87 | $93 |
| ▁▃▂▅▅▄▆█ | Total Deposits ($M) | $193 | $207 | $202 | $214 | $216 | $212 | $222 | $232 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 7% |
| Agricultural | 2% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 38% |
| Interest-Bearing (core) | 47% |
| Brokered / Other | 14% |