Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.35% | -0.54 | 1.89% |
| Return on Equity (%) | ▼ | 12.51% | -5.94 | 18.45% |
| Net Interest Margin (%) | ▲ | 5.21% | +0.13 | 5.08% |
| Efficiency Ratio (%) | ▼ | 70.94% | +11.31 | 59.63% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.44 | $1 |
| Cost of Funds (%) | ▲ | 1.24% | -0.11 | 1.35% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $241 | -4.94 | $246 |
| Gross Loans ($M) | ▼ | $187 | -3.96 | $191 |
| Loan Growth YoY (%) | ▲ | 87.21% | +0.64 | 86.57% |
| Total Deposits ($M) | ▼ | $212 | -6.28 | $219 |
| Shareholders Equity ($M) | ▲ | $27 | +1.30 | $25 |
| Tang. Book Value ($M) | ▲ | $25 | +1.35 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +1.47 | $25 |
| Loan / Deposit Ratio (%) | ▲ | 87.21% | +0.64 | 86.57% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.05% | 0.08% | 0.96% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▃▁▄▇███ | Net Interest Margin (%) | 5.06% | 5.06% | 4.98% | 5.08% | 5.18% | 5.23% | 5.22% | 5.21% |
| █▇▇██▇▁▁ | Return on Assets (%) | 1.91% | 1.84% | 1.77% | 1.89% | 1.88% | 1.79% | 1.39% | 1.35% |
| ▁▂▂▁▂▃██ | Efficiency Ratio (%) | 58.2% | 60.2% | 61.0% | 59.6% | 60.6% | 62.9% | 70.1% | 70.9% |
| █▆▅▄▃▁▁▁ | Cost of Funds (%) | 1.58% | 1.48% | 1.42% | 1.35% | 1.30% | 1.24% | 1.19% | 1.24% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▂▃▄▅▆▆█ | Tang. Book Value ($M) | $23 | $23 | $23 | $24 | $24 | $24 | $24 | $25 |
| ▁▆█▄▅▃▃▁ | Gross Loans ($M) | $187 | $193 | $196 | $191 | $192 | $189 | $189 | $187 |
| ▁▃▆█▇▅█▅ | Total Deposits ($M) | $205 | $209 | $214 | $219 | $216 | $213 | $217 | $212 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 14% |
| Agricultural | 2% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 49% |
| Brokered / Other | 21% |