Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.62% | +0.31 | 1.32% |
| Return on Equity (%) | ▲ | 14.48% | +1.95 | 12.53% |
| Net Interest Margin (%) | ▲ | 3.54% | +0.15 | 3.39% |
| Efficiency Ratio (%) | ▲ | 43.38% | -4.02 | 47.39% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.08 | $0 |
| Cost of Funds (%) | ▲ | 1.14% | -0.16 | 1.30% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $109 | +10.11 | $99 |
| Gross Loans ($M) | ▲ | $38 | +1.12 | $37 |
| Loan Growth YoY (%) | ▼ | 38.81% | -2.82 | 41.63% |
| Total Deposits ($M) | ▲ | $96 | +9.20 | $87 |
| Shareholders Equity ($M) | ▲ | $12 | +0.99 | $11 |
| Tang. Book Value ($M) | ▲ | $11 | +0.99 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +1.16 | $13 |
| Loan / Deposit Ratio (%) | ▼ | 38.81% | -2.82 | 41.63% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.46% | +0.46 | 0.00% |
| Allowance / Loans (%) | — | 1.74% | -0.02% | 1.76% |
| Net Charge-Off Ratio (%) | ▼ | 1.31% | +1.31 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▇▇█ | Net Interest Margin (%) | 3.16% | 3.16% | 3.26% | 3.39% | 3.43% | 3.45% | 3.46% | 3.54% |
| ▄▂▁▃▃▄▆█ | Return on Assets (%) | 1.37% | 1.30% | 1.20% | 1.32% | 1.34% | 1.40% | 1.48% | 1.62% |
| ▂▅█▆▆▃▁▁ | Efficiency Ratio (%) | 44.3% | 46.7% | 49.2% | 47.4% | 47.5% | 45.4% | 44.0% | 43.4% |
| ██▇▄▅▁▁▁ | Cost of Funds (%) | 1.47% | 1.47% | 1.42% | 1.30% | 1.32% | 1.13% | 1.16% | 1.14% |
| ▂▁▇▁▁▁▆█ | NPA / Assets (%) | 0.10% | 0.00% | 0.35% | 0.00% | 0.00% | 0.00% | 0.34% | 0.46% |
| ▂▁▆▁▁▁▆█ | Net Charge-Off Ratio (%) | 0.27% | 0.00% | 0.96% | 0.00% | 0.00% | 0.00% | 0.96% | 1.31% |
| ▂▁▂▅▆█▇█ | Tang. Book Value ($M) | $10 | $9 | $9 | $10 | $11 | $11 | $11 | $11 |
| ▃▄▁▄▆▆▂█ | Gross Loans ($M) | $37 | $37 | $36 | $37 | $37 | $38 | $37 | $38 |
| ▃▃▃▂▁▆▄█ | Total Deposits ($M) | $90 | $89 | $88 | $87 | $86 | $93 | $91 | $96 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 12% |
| Agricultural | 17% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 7% |