Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.14% | +0.04 | 1.10% |
| Return on Equity (%) | ▲ | 10.08% | +0.84 | 9.24% |
| Net Interest Margin (%) | ▲ | 4.17% | +0.31 | 3.85% |
| Efficiency Ratio (%) | ▲ | 65.82% | -2.23 | 68.05% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.14 | $0 |
| Cost of Funds (%) | ▲ | 1.90% | -0.01 | 1.92% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $151 | +22.98 | $128 |
| Gross Loans ($M) | ▲ | $124 | +25.07 | $99 |
| Loan Growth YoY (%) | ▲ | 97.11% | +10.35 | 86.77% |
| Total Deposits ($M) | ▲ | $126 | +13.60 | $112 |
| Shareholders Equity ($M) | ▲ | $17 | +1.42 | $15 |
| Tang. Book Value ($M) | ▲ | $14 | +1.49 | $12 |
| Loan / Deposit Ratio (%) | ▲ | 97.11% | +10.35 | 86.77% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.75 | 0.75% |
| Allowance / Loans (%) | — | 1.11% | -0.04% | 1.15% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.97 | 0.97% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▄▅▆█ | Net Interest Margin (%) | 3.70% | 3.69% | 3.72% | 3.85% | 3.91% | 3.94% | 4.03% | 4.17% |
| ██▂▃▃▃▁▄ | Return on Assets (%) | 1.31% | 1.28% | 1.05% | 1.10% | 1.07% | 1.08% | 0.98% | 1.14% |
| ▁▁██▅▆▆▅ | Efficiency Ratio (%) | 62.2% | 62.3% | 68.4% | 68.0% | 65.9% | 66.9% | 66.2% | 65.8% |
| ██▃▁▄█▁▁ | Cost of Funds (%) | 2.11% | 2.12% | 1.97% | 1.92% | 2.00% | 2.12% | 1.90% | 1.90% |
| ▁▁▆█▁▃▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.55% | 0.75% | 0.00% | 0.26% | 0.00% | 0.00% |
| ▁▁▇█▁▃▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.75% | 0.97% | 0.00% | 0.33% | 0.00% | 0.00% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $12 | $11 | $12 | $12 | $13 | $13 | $13 | $14 |
| ▁▁▁▂▃▅██ | Gross Loans ($M) | $93 | $93 | $94 | $99 | $104 | $110 | $121 | $124 |
| ▁▂▃▃▇▇██ | Total Deposits ($M) | $106 | $111 | $112 | $112 | $124 | $123 | $127 | $126 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 63% |
| C&I / Commercial | 13% |
| Agricultural | 22% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 18% |