Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.75% | +0.43 | 1.31% |
| Return on Equity (%) | ▲ | 17.37% | +3.61 | 13.76% |
| Net Interest Margin (%) | ▲ | 3.64% | +0.35 | 3.28% |
| Efficiency Ratio (%) | ▲ | 49.93% | -6.97 | 56.90% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.22 | $1 |
| Cost of Funds (%) | ▼ | 1.62% | +0.07 | 1.55% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $228 | +12.63 | $215 |
| Gross Loans ($M) | ▲ | $166 | +12.03 | $154 |
| Loan Growth YoY (%) | ▼ | 80.83% | -0.30 | 81.13% |
| Total Deposits ($M) | ▲ | $203 | +15.34 | $188 |
| Shareholders Equity ($M) | ▲ | $23 | +2.20 | $21 |
| Tang. Book Value ($M) | ▲ | $23 | +2.20 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +2.29 | $24 |
| Loan / Deposit Ratio (%) | ▼ | 80.83% | -0.30 | 81.13% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.01% | 0.04% | 0.96% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▆██ | Net Interest Margin (%) | 2.86% | 2.91% | 3.12% | 3.28% | 3.37% | 3.39% | 3.59% | 3.64% |
| ▂▁▂▄▅▅██ | Return on Assets (%) | 1.07% | 0.96% | 1.12% | 1.31% | 1.41% | 1.46% | 1.76% | 1.75% |
| ▆█▆▄▃▃▁▁ | Efficiency Ratio (%) | 62.2% | 66.5% | 60.6% | 56.9% | 55.5% | 54.9% | 50.0% | 49.9% |
| ▇█▄▁▁▂▁▄ | Cost of Funds (%) | 1.67% | 1.71% | 1.61% | 1.55% | 1.57% | 1.57% | 1.56% | 1.62% |
| ▁█▁▁▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.23% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% |
| ▁█▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.33% | 0.00% | 0.00% | 0.01% | 0.02% | 0.00% | 0.00% |
| ▅▁▂▄▆▆▇█ | Tang. Book Value ($M) | $22 | $20 | $20 | $21 | $22 | $22 | $23 | $23 |
| ▁▂▂▄▄▅██ | Gross Loans ($M) | $145 | $149 | $149 | $154 | $155 | $158 | $167 | $166 |
| ▁▄▄▄▄▇██ | Total Deposits ($M) | $176 | $187 | $187 | $188 | $186 | $200 | $203 | $203 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 13% |
| Agricultural | 2% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 13% |