Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.29% | -0.18 | 2.46% |
| Return on Equity (%) | ▼ | 20.96% | -4.34 | 25.30% |
| Net Interest Margin (%) | ▼ | 5.17% | -0.02 | 5.19% |
| Efficiency Ratio (%) | ▼ | 38.94% | +3.50 | 35.44% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.06 | $1 |
| Cost of Funds (%) | ▲ | 0.45% | -0.17 | 0.62% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $180 | +3.26 | $176 |
| Gross Loans ($M) | ▲ | $99 | +8.55 | $90 |
| Loan Growth YoY (%) | ▲ | 60.68% | +5.49 | 55.20% |
| Total Deposits ($M) | ▼ | $158 | -0.73 | $158 |
| Shareholders Equity ($M) | ▲ | $21 | +3.46 | $17 |
| Tang. Book Value ($M) | ▲ | $21 | +3.46 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +3.32 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 60.68% | +5.49 | 55.20% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 2.85% | 0.07% | 2.78% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂█████▇ | Net Interest Margin (%) | 4.65% | 4.80% | 5.22% | 5.19% | 5.25% | 5.21% | 5.25% | 5.17% |
| ▃▅█▄▂▁▁▁ | Return on Assets (%) | 2.41% | 2.51% | 2.74% | 2.46% | 2.35% | 2.30% | 2.25% | 2.29% |
| █▆▁▄▇▇▆█ | Efficiency Ratio (%) | 38.2% | 37.3% | 32.9% | 35.4% | 37.6% | 37.9% | 37.0% | 38.9% |
| █▄▁▃▃▁▁▁ | Cost of Funds (%) | 1.03% | 0.72% | 0.51% | 0.62% | 0.59% | 0.46% | 0.47% | 0.45% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▄▅▆██ | Tang. Book Value ($M) | $15 | $15 | $16 | $17 | $18 | $19 | $21 | $21 |
| ▃▃▁▂▁▂▁█ | Gross Loans ($M) | $91 | $91 | $88 | $90 | $89 | $90 | $89 | $99 |
| ▁▁▃▅▄█▅▅ | Total Deposits ($M) | $135 | $137 | $147 | $158 | $154 | $174 | $156 | $158 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 25% |
| Agricultural | 3% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 38% |
| Brokered / Other | 40% |