Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.38% | -0.41 | 1.79% |
| Return on Equity (%) | ▼ | 14.86% | -6.06 | 20.92% |
| Net Interest Margin (%) | ▼ | 3.76% | -0.18 | 3.94% |
| Efficiency Ratio (%) | ▼ | 61.39% | +6.75 | 54.64% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.07 | $1 |
| Cost of Funds (%) | ▲ | 1.21% | -0.02 | 1.23% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $170 | -16.13 | $186 |
| Gross Loans ($M) | ▲ | $104 | +13.62 | $90 |
| Loan Growth YoY (%) | ▲ | 67.21% | +14.88 | 52.33% |
| Total Deposits ($M) | ▼ | $152 | -17.63 | $170 |
| Shareholders Equity ($M) | ▲ | $17 | +1.54 | $16 |
| Tang. Book Value ($M) | ▲ | $17 | +1.54 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +1.50 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 67.21% | +14.88 | 52.33% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.51% | -0.03% | 1.54% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▆▇▄▂▁▄ | Net Interest Margin (%) | 4.01% | 4.00% | 3.86% | 3.94% | 3.76% | 3.63% | 3.57% | 3.76% |
| ▃▂██▇▃▁▃ | Return on Assets (%) | 1.35% | 1.23% | 1.79% | 1.79% | 1.65% | 1.34% | 1.15% | 1.38% |
| ▇█▁▁▂▅▆▄ | Efficiency Ratio (%) | 67.7% | 69.7% | 54.6% | 54.6% | 57.0% | 63.0% | 65.4% | 61.4% |
| ▂▂▁▆██▆▆ | Cost of Funds (%) | 0.63% | 0.73% | 0.46% | 1.23% | 1.65% | 1.54% | 1.24% | 1.21% |
| █▁▁▁▇▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| █▁▁▁▇▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▅▇█▇█ | Tang. Book Value ($M) | $15 | $14 | $15 | $16 | $17 | $17 | $17 | $17 |
| ▁▂▃▅▆▆▇█ | Gross Loans ($M) | $74 | $79 | $84 | $90 | $95 | $96 | $98 | $104 |
| ▁▂█▇▆█▇▅ | Total Deposits ($M) | $121 | $133 | $177 | $170 | $160 | $177 | $170 | $152 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 9% |
| Agricultural | 6% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 51% |
| Brokered / Other | 37% |