Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.46% | +0.36 | 1.10% |
| Return on Equity (%) | ▲ | 12.69% | +2.38 | 10.31% |
| Net Interest Margin (%) | ▲ | 3.44% | +0.22 | 3.22% |
| Efficiency Ratio (%) | ▲ | 58.13% | -7.03 | 65.16% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.12 | $0 |
| Cost of Funds (%) | ▲ | 1.08% | -0.00 | 1.08% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $135 | -12.05 | $147 |
| Gross Loans ($M) | ▼ | $57 | -4.13 | $61 |
| Loan Growth YoY (%) | ▲ | 48.18% | +1.72 | 46.46% |
| Total Deposits ($M) | ▼ | $115 | -13.27 | $128 |
| Shareholders Equity ($M) | ▲ | $16 | +0.80 | $15 |
| Tang. Book Value ($M) | ▲ | $16 | +0.80 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +0.93 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 48.18% | +1.72 | 46.46% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.95% | 0.22% | 1.73% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▄▇█▆█ | Net Interest Margin (%) | 3.01% | 3.07% | 3.26% | 3.22% | 3.36% | 3.40% | 3.28% | 3.44% |
| ▄▁▂▂▅▆▆█ | Return on Assets (%) | 1.17% | 0.99% | 1.07% | 1.10% | 1.22% | 1.29% | 1.29% | 1.46% |
| ▄▆█▆▄▃▃▁ | Efficiency Ratio (%) | 61.7% | 64.5% | 67.5% | 65.2% | 61.7% | 61.5% | 60.7% | 58.1% |
| █▇▄▃▇▂▁▃ | Cost of Funds (%) | 1.45% | 1.36% | 1.18% | 1.08% | 1.38% | 1.05% | 0.93% | 1.08% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▅▁▃▅█▆▇█ | Tang. Book Value ($M) | $15 | $14 | $15 | $15 | $16 | $15 | $16 | $16 |
| ▅█▄▅▄▅▁▁ | Gross Loans ($M) | $60 | $64 | $60 | $61 | $60 | $61 | $56 | $57 |
| ▃▄▃█▁▂▆▃ | Total Deposits ($M) | $113 | $116 | $114 | $128 | $107 | $110 | $122 | $115 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 7% |
| Agricultural | 24% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 3% |