Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.11% | +0.06 | 1.04% |
| Return on Equity (%) | ▼ | 11.18% | -0.78 | 11.96% |
| Net Interest Margin (%) | ▲ | 4.40% | +0.32 | 4.08% |
| Efficiency Ratio (%) | ▼ | 64.44% | +0.25 | 64.19% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.06 | $1 |
| Cost of Funds (%) | ▲ | 1.10% | -0.13 | 1.24% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $165 | -2.73 | $168 |
| Gross Loans ($M) | ▲ | $114 | +4.94 | $109 |
| Loan Growth YoY (%) | ▲ | 76.64% | +5.22 | 71.43% |
| Total Deposits ($M) | ▼ | $148 | -3.99 | $152 |
| Shareholders Equity ($M) | ▲ | $17 | +1.61 | $15 |
| Tang. Book Value ($M) | ▲ | $17 | +1.61 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +1.28 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 76.64% | +5.22 | 71.43% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.85% | 0.02% | 0.83% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.00% | +0.51 | 14.49% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆▇█ | Net Interest Margin (%) | 3.76% | 3.81% | 3.99% | 4.08% | 4.12% | 4.19% | 4.31% | 4.40% |
| ▃▁▆▇▇▅▇█ | Return on Assets (%) | 0.87% | 0.77% | 1.00% | 1.04% | 1.06% | 0.97% | 1.03% | 1.11% |
| ▅█▁▁▁▄▂▁ | Efficiency Ratio (%) | 69.0% | 72.5% | 65.0% | 64.2% | 64.0% | 68.2% | 66.1% | 64.4% |
| ▇█▅▆▄▄▂▁ | Cost of Funds (%) | 1.26% | 1.29% | 1.21% | 1.24% | 1.19% | 1.19% | 1.14% | 1.10% |
| ▁▁▁▁█▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▁█▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▃▅▆██ | Tang. Book Value ($M) | $14 | $14 | $15 | $15 | $16 | $16 | $17 | $17 |
| ▁▁▁▅▅▆▇█ | Gross Loans ($M) | $104 | $104 | $104 | $109 | $110 | $111 | $112 | $114 |
| ▅▄█▄▇▄▂▁ | Total Deposits ($M) | $153 | $151 | $157 | $152 | $155 | $152 | $150 | $148 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 64% |
| C&I / Commercial | 14% |
| Agricultural | 19% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 6% |