Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.47% | +0.05 | 0.42% |
| Return on Equity (%) | ▲ | 7.06% | +0.13 | 6.93% |
| Net Interest Margin (%) | ▲ | 3.07% | +0.43 | 2.64% |
| Efficiency Ratio (%) | ▲ | 78.77% | -3.32 | 82.08% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.13 | $1 |
| Cost of Funds (%) | ▲ | 2.26% | -0.25 | 2.50% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $349 | +2.39 | $347 |
| Gross Loans ($M) | ▲ | $241 | +3.72 | $238 |
| Loan Growth YoY (%) | ▼ | 73.71% | -1.56 | 75.27% |
| Total Deposits ($M) | ▲ | $324 | +11.40 | $312 |
| Shareholders Equity ($M) | ▲ | $24 | +2.87 | $21 |
| Tang. Book Value ($M) | ▲ | $24 | +2.87 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +2.59 | $26 |
| Loan / Deposit Ratio (%) | ▼ | 73.71% | -1.56 | 75.27% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.15% | 0.06% | 1.09% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 11.28% | +0.46 | 10.82% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▅▆██ | Net Interest Margin (%) | 2.16% | 2.21% | 2.50% | 2.64% | 2.69% | 2.74% | 3.02% | 3.07% |
| ▃▅▄▄▆█▁▆ | Return on Assets (%) | 0.41% | 0.45% | 0.43% | 0.42% | 0.46% | 0.52% | 0.35% | 0.47% |
| █▆▅▃▃▂▁▁ | Efficiency Ratio (%) | 88.0% | 85.2% | 83.8% | 82.1% | 81.4% | 80.1% | 79.1% | 78.8% |
| █▆▄▅▅▄▁▁ | Cost of Funds (%) | 2.71% | 2.59% | 2.46% | 2.50% | 2.50% | 2.43% | 2.28% | 2.26% |
| ▁▁▁▁█▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▁█▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▅▁▂▂▆▇▇█ | Tang. Book Value ($M) | $22 | $20 | $21 | $21 | $22 | $23 | $23 | $24 |
| ▁▃▅█▆▇██ | Gross Loans ($M) | $204 | $214 | $225 | $238 | $228 | $233 | $242 | $241 |
| ▁▁▃▆▇▅▆█ | Total Deposits ($M) | $292 | $292 | $301 | $312 | $317 | $311 | $315 | $324 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 75% |
| C&I / Commercial | 6% |
| Agricultural | 16% |
| Consumer | 1% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 30% |