Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.35% | -0.02 | 1.37% |
| Return on Equity (%) | ▲ | 9.23% | +0.36 | 8.87% |
| Net Interest Margin (%) | ▲ | 3.92% | +0.03 | 3.89% |
| Efficiency Ratio (%) | ▲ | 56.03% | -0.19 | 56.22% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.00 | $1 |
| Cost of Funds (%) | ▲ | 1.16% | -0.14 | 1.31% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $139 | +8.34 | $131 |
| Gross Loans ($M) | ▲ | $85 | +6.52 | $78 |
| Loan Growth YoY (%) | ▲ | 75.46% | +0.83 | 74.63% |
| Total Deposits ($M) | ▲ | $110 | +7.51 | $103 |
| Shareholders Equity ($M) | ▲ | $20 | +0.36 | $20 |
| Tang. Book Value ($M) | ▲ | $20 | +0.36 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $22 | +0.22 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 75.46% | +0.83 | 74.63% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.42% | -0.12% | 1.54% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄██▇▅█ | Net Interest Margin (%) | 3.57% | 3.60% | 3.74% | 3.89% | 3.90% | 3.86% | 3.77% | 3.92% |
| ▁▁▄██▇▆█ | Return on Assets (%) | 1.07% | 1.07% | 1.22% | 1.37% | 1.34% | 1.31% | 1.28% | 1.35% |
| ▇█▅▁▁▂▁▁ | Efficiency Ratio (%) | 61.5% | 62.4% | 59.2% | 56.2% | 55.8% | 57.0% | 56.1% | 56.0% |
| █▅▃▃▆▆▂▁ | Cost of Funds (%) | 1.56% | 1.39% | 1.28% | 1.31% | 1.42% | 1.45% | 1.24% | 1.16% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▇▆▁▄▆█▄▆ | Tang. Book Value ($M) | $20 | $20 | $19 | $19 | $20 | $20 | $19 | $20 |
| ▁▂▃▅▅█▇█ | Gross Loans ($M) | $68 | $70 | $72 | $78 | $78 | $84 | $81 | $85 |
| ▂▁▃▄▃███ | Total Deposits ($M) | $98 | $96 | $100 | $103 | $100 | $109 | $109 | $110 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 36% |
| C&I / Commercial | 25% |
| Agricultural | 36% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 7% |