Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.94% | +0.28 | 1.66% |
| Return on Equity (%) | ▲ | 15.53% | +1.02 | 14.51% |
| Net Interest Margin (%) | ▲ | 5.33% | +0.43 | 4.90% |
| Efficiency Ratio (%) | ▲ | 51.01% | -4.50 | 55.52% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.40 | $1 |
| Cost of Funds (%) | ▲ | 1.58% | -0.26 | 1.84% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $230 | +8.74 | $221 |
| Gross Loans ($M) | ▲ | $173 | +0.68 | $173 |
| Loan Growth YoY (%) | ▼ | 86.59% | -1.95 | 88.55% |
| Total Deposits ($M) | ▲ | $198 | +5.28 | $193 |
| Shareholders Equity ($M) | ▲ | $30 | +3.99 | $26 |
| Tang. Book Value ($M) | ▲ | $30 | +3.99 | $26 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +3.96 | $27 |
| Loan / Deposit Ratio (%) | ▼ | 86.59% | -1.95 | 88.55% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.01% | -0.06 | 0.07% |
| Allowance / Loans (%) | — | 0.90% | -0.08% | 0.98% |
| Net Charge-Off Ratio (%) | ▲ | 0.01% | -0.08 | 0.09% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▄▅▇█ | Net Interest Margin (%) | 4.74% | 4.78% | 4.80% | 4.90% | 4.98% | 5.05% | 5.24% | 5.33% |
| ▁▂▁▂▃▅▅█ | Return on Assets (%) | 1.59% | 1.68% | 1.60% | 1.66% | 1.72% | 1.79% | 1.78% | 1.94% |
| █▆▇█▆▄▅▁ | Efficiency Ratio (%) | 55.6% | 54.0% | 54.6% | 55.5% | 54.2% | 52.9% | 53.6% | 51.0% |
| ██▅▆▄▂▁▁ | Cost of Funds (%) | 1.99% | 1.95% | 1.81% | 1.84% | 1.75% | 1.62% | 1.54% | 1.58% |
| ▄▁██▁▁▁▁ | NPA / Assets (%) | 0.03% | 0.00% | 0.07% | 0.07% | 0.00% | 0.00% | 0.00% | 0.01% |
| ▅▁██▁▁▁▁ | Net Charge-Off Ratio (%) | 0.04% | 0.00% | 0.09% | 0.09% | 0.00% | 0.00% | 0.00% | 0.01% |
| ▁▁▁▂▄▅▆█ | Tang. Book Value ($M) | $25 | $25 | $25 | $26 | $27 | $27 | $28 | $30 |
| ▁▄▇▆▂▁█▇ | Gross Loans ($M) | $165 | $170 | $174 | $173 | $167 | $165 | $176 | $173 |
| ▁▃▄▄▄▃█▇ | Total Deposits ($M) | $187 | $191 | $193 | $193 | $194 | $191 | $201 | $198 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 8% |
| Agricultural | 3% |
| Consumer | 2% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 37% |
| Interest-Bearing (core) | 46% |
| Brokered / Other | 18% |