Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.27% | -0.03 | 1.30% |
| Return on Equity (%) | ▼ | 7.85% | -0.41 | 8.26% |
| Net Interest Margin (%) | ▼ | 3.23% | -0.05 | 3.28% |
| Efficiency Ratio (%) | ▲ | 49.90% | -1.13 | 51.03% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.01 | $1 |
| Cost of Funds (%) | ▲ | 1.63% | -0.09 | 1.72% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $203 | +7.00 | $196 |
| Gross Loans ($M) | ▼ | $135 | -4.59 | $140 |
| Loan Growth YoY (%) | ▼ | 79.70% | -4.82 | 84.52% |
| Total Deposits ($M) | ▲ | $168 | +4.17 | $164 |
| Shareholders Equity ($M) | ▲ | $34 | +2.75 | $31 |
| Tang. Book Value ($M) | ▲ | $23 | +2.91 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +3.09 | $21 |
| Loan / Deposit Ratio (%) | ▼ | 79.70% | -4.82 | 84.52% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.04 | 0.04% |
| Allowance / Loans (%) | — | 0.94% | 0.03% | 0.92% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.05 | 0.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.72% | +2.40 | 14.32% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▁███▂▆ | Net Interest Margin (%) | 3.13% | 3.16% | 3.13% | 3.28% | 3.29% | 3.29% | 3.16% | 3.23% |
| ▁▁██████ | Return on Assets (%) | 1.05% | 1.07% | 1.29% | 1.30% | 1.29% | 1.30% | 1.27% | 1.27% |
| ██▆▃▂▂▂▁ | Efficiency Ratio (%) | 53.5% | 53.6% | 52.3% | 51.0% | 50.8% | 50.4% | 50.5% | 49.9% |
| ██▃▅▃▅▁▂ | Cost of Funds (%) | 1.84% | 1.82% | 1.68% | 1.72% | 1.65% | 1.72% | 1.58% | 1.63% |
| ▁▁▁▁▁█▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.44% | 0.02% | 0.00% |
| ▁▁▁▁▁█▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.06% | 0.00% | 0.66% | 0.03% | 0.00% |
| ▅▆▁▂▄▆▇█ | Tang. Book Value ($M) | $21 | $22 | $19 | $20 | $21 | $21 | $22 | $23 |
| ▁█▁█▆▅▆▁ | Gross Loans ($M) | $135 | $141 | $136 | $140 | $139 | $138 | $139 | $135 |
| ▇▄▆▁▅▄█▃ | Total Deposits ($M) | $177 | $171 | $175 | $164 | $173 | $171 | $180 | $168 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 3% |
| Agricultural | 26% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 7% |