Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.33% | +0.07 | 1.26% |
| Return on Equity (%) | ▲ | 14.47% | +0.83 | 13.64% |
| Net Interest Margin (%) | ▲ | 3.08% | +0.02 | 3.05% |
| Efficiency Ratio (%) | ▲ | 52.38% | -0.65 | 53.04% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.04 | $1 |
| Cost of Funds (%) | ▼ | 2.45% | +0.01 | 2.44% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $269 | +3.12 | $266 |
| Gross Loans ($M) | ▲ | $226 | +3.59 | $222 |
| Loan Growth YoY (%) | ▼ | 107.75% | -2.76 | 110.52% |
| Total Deposits ($M) | ▲ | $206 | +7.79 | $199 |
| Shareholders Equity ($M) | ▲ | $25 | +0.31 | $25 |
| Tang. Book Value ($M) | ▲ | $25 | +0.31 | $25 |
| Loan / Deposit Ratio (%) | ▼ | 107.75% | -2.76 | 110.52% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.53% | 0.28% | 1.25% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 10.36% | +0.10 | 10.27% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▆▁▃▅█▁▄ | Net Interest Margin (%) | 3.12% | 3.14% | 3.01% | 3.05% | 3.10% | 3.19% | 3.01% | 3.08% |
| ██▁▄▇▄▃▇ | Return on Assets (%) | 1.37% | 1.37% | 1.15% | 1.26% | 1.32% | 1.24% | 1.23% | 1.33% |
| ▁▂█▅▃▁█▄ | Efficiency Ratio (%) | 50.7% | 51.0% | 55.2% | 53.0% | 52.0% | 50.3% | 54.6% | 52.4% |
| █▁▃██▇▇█ | Cost of Funds (%) | 2.47% | 2.21% | 2.28% | 2.44% | 2.47% | 2.43% | 2.43% | 2.45% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▇▆▆▇██ | Tang. Book Value ($M) | $24 | $24 | $25 | $25 | $25 | $25 | $25 | $25 |
| ▁▂▃▄▅█▇▆ | Gross Loans ($M) | $211 | $216 | $219 | $222 | $223 | $234 | $231 | $226 |
| ▁▁▇▂▂▅▃█ | Total Deposits ($M) | $196 | $198 | $204 | $199 | $198 | $202 | $200 | $206 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 14% |
| Agricultural | 2% |
| Other | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 31% |