Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.11% | +1.16 | 0.95% |
| Return on Equity (%) | ▲ | 15.38% | +7.09 | 8.29% |
| Net Interest Margin (%) | ▲ | 3.14% | +0.20 | 2.94% |
| Efficiency Ratio (%) | ▲ | 50.73% | -17.83 | 68.56% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.07 | $0 |
| Cost of Funds (%) | ▲ | 1.53% | -0.17 | 1.70% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $111 | +0.19 | $111 |
| Gross Loans ($M) | ▲ | $50 | +2.16 | $48 |
| Loan Growth YoY (%) | ▲ | 51.84% | +3.19 | 48.65% |
| Total Deposits ($M) | ▼ | $96 | -1.84 | $98 |
| Shareholders Equity ($M) | ▲ | $15 | +2.13 | $13 |
| Tang. Book Value ($M) | ▲ | $15 | +2.13 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +1.99 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 51.84% | +3.19 | 48.65% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.10 | 0.10% |
| Allowance / Loans (%) | — | 1.31% | -0.06% | 1.37% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆▇███ | Net Interest Margin (%) | 2.53% | 2.58% | 2.87% | 2.94% | 3.01% | 3.09% | 3.10% | 3.14% |
| ▁▁▁▁▁▁█▅ | Return on Assets (%) | 0.79% | 0.73% | 0.94% | 0.95% | 0.99% | 1.01% | 3.00% | 2.11% |
| ██▇▇▇▇▁▃ | Efficiency Ratio (%) | 70.8% | 73.3% | 68.4% | 68.6% | 68.1% | 68.1% | 42.8% | 50.7% |
| █▇▄▄▃▃▁▂ | Cost of Funds (%) | 2.07% | 1.93% | 1.76% | 1.70% | 1.62% | 1.66% | 1.45% | 1.53% |
| ██████▁▁ | NPA / Assets (%) | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.11% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▃▁▁▂▆▆██ | Tang. Book Value ($M) | $13 | $13 | $13 | $13 | $14 | $14 | $15 | $15 |
| ██▂▁▆▅▅█ | Gross Loans ($M) | $50 | $50 | $49 | $48 | $50 | $49 | $50 | $50 |
| ▇██▇▆▁█▆ | Total Deposits ($M) | $98 | $98 | $100 | $98 | $96 | $87 | $99 | $96 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 8% |
| Agricultural | 4% |
| Consumer | 3% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 20% |