Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.06% | +0.11 | 0.95% |
| Return on Equity (%) | ▲ | 8.10% | +0.43 | 7.67% |
| Net Interest Margin (%) | ▲ | 3.32% | +0.11 | 3.21% |
| Efficiency Ratio (%) | ▲ | 64.22% | -0.52 | 64.74% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.01 | $0 |
| Cost of Funds (%) | ▲ | 1.70% | -0.19 | 1.89% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $108 | +1.97 | $106 |
| Gross Loans ($M) | ▲ | $69 | +0.62 | $69 |
| Loan Growth YoY (%) | ▼ | 81.67% | -0.21 | 81.88% |
| Total Deposits ($M) | ▲ | $84 | +0.97 | $83 |
| Shareholders Equity ($M) | ▲ | $15 | +1.15 | $13 |
| Tang. Book Value ($M) | ▲ | $15 | +1.15 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +1.27 | $15 |
| Loan / Deposit Ratio (%) | ▼ | 81.67% | -0.21 | 81.88% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.38% | -0.02% | 1.39% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▅▁▅▆▇▇█ | Net Interest Margin (%) | 3.24% | 3.21% | 3.07% | 3.21% | 3.24% | 3.26% | 3.26% | 3.32% |
| ▄▂▁▅▆▆▄█ | Return on Assets (%) | 0.91% | 0.85% | 0.78% | 0.95% | 0.96% | 0.98% | 0.89% | 1.06% |
| ▄▇█▁▁▁▅▁ | Efficiency Ratio (%) | 66.5% | 68.7% | 70.2% | 64.7% | 64.5% | 64.1% | 67.5% | 64.2% |
| █▇▃▄▆▆▁▁ | Cost of Funds (%) | 2.14% | 2.03% | 1.83% | 1.89% | 1.98% | 1.96% | 1.67% | 1.70% |
| ▁▁▁▁▁▁█▁ | NPA / Assets (%) | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.12% | 0.00% |
| ▁▁▁▁▁▁█▁ | Net Charge-Off Ratio (%) | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.19% | 0.00% |
| ▃▁▂▃▆▆▇█ | Tang. Book Value ($M) | $13 | $13 | $13 | $13 | $14 | $14 | $14 | $15 |
| ▅▅▁▃██▁▄ | Gross Loans ($M) | $71 | $70 | $66 | $69 | $74 | $74 | $67 | $69 |
| ▁▃▆▆▂█▆▇ | Total Deposits ($M) | $76 | $79 | $83 | $83 | $78 | $86 | $83 | $84 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 55% |
| C&I / Commercial | 6% |
| Agricultural | 37% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 10% |