Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.67% | +0.24 | 1.43% |
| Return on Equity (%) | ▼ | 19.20% | -4.42 | 23.62% |
| Net Interest Margin (%) | ▲ | 2.95% | +0.13 | 2.82% |
| Efficiency Ratio (%) | ▲ | 44.08% | -5.41 | 49.49% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.22 | $1 |
| Cost of Funds (%) | ▼ | 0.81% | +0.10 | 0.71% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $240 | +14.13 | $226 |
| Gross Loans ($M) | ▲ | $45 | +1.37 | $44 |
| Loan Growth YoY (%) | ▼ | 20.57% | -0.14 | 20.71% |
| Total Deposits ($M) | ▲ | $218 | +8.02 | $210 |
| Shareholders Equity ($M) | ▲ | $22 | +6.08 | $15 |
| Tang. Book Value ($M) | ▲ | $22 | +6.08 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +7.00 | $24 |
| Loan / Deposit Ratio (%) | ▼ | 20.57% | -0.14 | 20.71% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.09% | -0.01% | 1.11% |
| Net Charge-Off Ratio (%) | ▼ | 0.00% | +0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 39.60% | +2.84 | 36.76% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▇▆▆▆██ | Net Interest Margin (%) | 2.51% | 2.58% | 2.87% | 2.82% | 2.82% | 2.84% | 2.93% | 2.95% |
| ▁▁▄▄▄▄██ | Return on Assets (%) | 1.28% | 1.28% | 1.43% | 1.43% | 1.46% | 1.47% | 1.68% | 1.67% |
| ██▆▇▆▆▁▁ | Efficiency Ratio (%) | 51.0% | 51.5% | 48.7% | 49.5% | 49.1% | 49.5% | 43.4% | 44.1% |
| ▇▁▄▅▃▃▄█ | Cost of Funds (%) | 0.76% | 0.56% | 0.67% | 0.71% | 0.65% | 0.63% | 0.66% | 0.81% |
| ▁▁▁▁▁▁▁█ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▁▁▁▁█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▃▁▃▄▇███ | Tang. Book Value ($M) | $15 | $11 | $15 | $15 | $20 | $21 | $22 | $22 |
| ▁▂▇▇▇▄▆█ | Gross Loans ($M) | $38 | $39 | $44 | $44 | $44 | $41 | $43 | $45 |
| ▁▂▁▁▄▅█▃ | Total Deposits ($M) | $211 | $215 | $212 | $210 | $221 | $224 | $237 | $218 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 53% |
| C&I / Commercial | 19% |
| Agricultural | 18% |
| Consumer | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 37% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 3% |