Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.92% | +0.11 | 1.81% |
| Return on Equity (%) | ▼ | 15.98% | -1.05 | 17.03% |
| Net Interest Margin (%) | ▲ | 4.40% | +0.25 | 4.14% |
| Efficiency Ratio (%) | ▲ | 54.89% | -1.26 | 56.15% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.19 | $1 |
| Cost of Funds (%) | ▲ | 1.39% | -0.21 | 1.60% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $286 | +10.41 | $275 |
| Gross Loans ($M) | ▲ | $223 | +0.72 | $222 |
| Loan Growth YoY (%) | ▼ | 94.11% | -2.80 | 96.92% |
| Total Deposits ($M) | ▲ | $234 | +7.32 | $226 |
| Shareholders Equity ($M) | ▲ | $35 | +3.63 | $31 |
| Tang. Book Value ($M) | ▲ | $35 | +3.63 | $31 |
| TBV excl. AOCI ($M)** | ▲ | $37 | +3.79 | $33 |
| Loan / Deposit Ratio (%) | ▼ | 94.11% | -2.80 | 96.92% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.10 | 0.10% |
| Allowance / Loans (%) | — | 1.20% | 0.07% | 1.13% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.12 | 0.12% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.49% | +15.49 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▁▁▃▄▅▇█ | Net Interest Margin (%) | 4.06% | 4.00% | 4.04% | 4.14% | 4.18% | 4.22% | 4.34% | 4.40% |
| ▂▂▂▅▁▄▂█ | Return on Assets (%) | 1.70% | 1.70% | 1.70% | 1.81% | 1.65% | 1.75% | 1.71% | 1.92% |
| ▅▄▇▃▆▃█▁ | Efficiency Ratio (%) | 56.8% | 56.3% | 57.6% | 56.1% | 57.3% | 56.0% | 58.3% | 54.9% |
| ██▅▄▄▂▁▁ | Cost of Funds (%) | 1.87% | 1.94% | 1.67% | 1.60% | 1.66% | 1.48% | 1.39% | 1.39% |
| ▇▁▁█▁▁▁▁ | NPA / Assets (%) | 0.09% | 0.01% | 0.01% | 0.10% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▁█▁▁▁▁ | Net Charge-Off Ratio (%) | 0.02% | 0.01% | 0.01% | 0.12% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▃▅▇▇█ | Tang. Book Value ($M) | $30 | $29 | $30 | $31 | $32 | $34 | $34 | $35 |
| ▂█▃▂▃▂▁▂ | Gross Loans ($M) | $223 | $235 | $225 | $222 | $225 | $222 | $220 | $223 |
| ▅▅▁▄▆█▇█ | Total Deposits ($M) | $227 | $228 | $218 | $226 | $230 | $236 | $232 | $234 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 59% |
| C&I / Commercial | 14% |
| Agricultural | 23% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 9% |