Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.93% | -0.15 | 2.08% |
| Return on Equity (%) | ▼ | 17.03% | -2.28 | 19.31% |
| Net Interest Margin (%) | ▼ | 3.96% | -0.13 | 4.09% |
| Efficiency Ratio (%) | ▼ | 52.12% | +2.66 | 49.46% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.01 | $1 |
| Cost of Funds (%) | ▲ | 1.13% | -0.16 | 1.29% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $166 | +8.67 | $157 |
| Gross Loans ($M) | ▲ | $87 | +5.83 | $81 |
| Loan Growth YoY (%) | ▲ | 58.71% | +1.20 | 57.51% |
| Total Deposits ($M) | ▲ | $146 | +7.01 | $139 |
| Shareholders Equity ($M) | ▲ | $19 | +1.65 | $17 |
| Tang. Book Value ($M) | ▲ | $19 | +1.65 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +1.41 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 58.71% | +1.20 | 57.51% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.56% | -0.06% | 1.62% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 22.83% | +0.72 | 22.11% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▂▃▃▂▁▁ | Net Interest Margin (%) | 4.61% | 4.49% | 4.05% | 4.09% | 4.10% | 4.06% | 3.90% | 3.96% |
| █▅▇▄▃▁▅▃ | Return on Assets (%) | 2.52% | 2.10% | 2.39% | 2.08% | 1.94% | 1.66% | 2.18% | 1.93% |
| ▁▅▁▃▅█▂▅ | Efficiency Ratio (%) | 44.5% | 52.6% | 44.5% | 49.5% | 52.3% | 58.6% | 47.1% | 52.1% |
| ▆█▆█▅▄▁▁ | Cost of Funds (%) | 1.25% | 1.30% | 1.25% | 1.29% | 1.22% | 1.20% | 1.14% | 1.13% |
| ▁▁▁▁▁▂█▁ | NPA / Assets (%) | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.04% | 0.16% | 0.00% |
| ▁▁▁▁▁▂█▁ | Net Charge-Off Ratio (%) | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% | 0.08% | 0.31% | 0.00% |
| ▂▁▂▄▅▅▇█ | Tang. Book Value ($M) | $17 | $16 | $17 | $17 | $18 | $18 | $19 | $19 |
| ▁█▃▄▅▄▅█ | Gross Loans ($M) | $77 | $87 | $80 | $81 | $83 | $82 | $83 | $87 |
| ▁▅▇▅▅▆██ | Total Deposits ($M) | $129 | $138 | $142 | $139 | $138 | $142 | $147 | $146 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 58% |
| C&I / Commercial | 11% |
| Agricultural | 24% |
| Consumer | 3% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 4% |