Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.30% | -0.22 | 1.52% |
| Return on Equity (%) | ▼ | 12.95% | -2.02 | 14.97% |
| Net Interest Margin (%) | ▲ | 4.12% | +0.02 | 4.11% |
| Efficiency Ratio (%) | ▼ | 58.19% | +6.26 | 51.94% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.05 | $1 |
| Cost of Funds (%) | ▲ | 1.65% | -0.07 | 1.72% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $312 | +30.47 | $282 |
| Gross Loans ($M) | ▲ | $203 | +30.06 | $173 |
| Loan Growth YoY (%) | ▲ | 74.52% | +3.59 | 70.93% |
| Total Deposits ($M) | ▲ | $269 | +28.18 | $241 |
| Shareholders Equity ($M) | ▲ | $31 | +2.50 | $29 |
| Tang. Book Value ($M) | ▲ | $31 | +2.50 | $29 |
| TBV excl. AOCI ($M)** | ▲ | $35 | +2.75 | $32 |
| Loan / Deposit Ratio (%) | ▲ | 74.52% | +3.59 | 70.93% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.08% | 0.04% | 1.04% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▂▄▅▂▃ | Net Interest Margin (%) | 4.27% | 4.28% | 4.05% | 4.11% | 4.15% | 4.17% | 4.09% | 4.12% |
| ██▅▆▅▄▁▁ | Return on Assets (%) | 1.61% | 1.63% | 1.50% | 1.52% | 1.49% | 1.44% | 1.31% | 1.30% |
| ▁▁▂▂▃▄██ | Efficiency Ratio (%) | 50.8% | 50.1% | 52.0% | 51.9% | 52.8% | 54.3% | 58.5% | 58.2% |
| █▅▇▅▄▂▁▃ | Cost of Funds (%) | 1.84% | 1.73% | 1.79% | 1.72% | 1.71% | 1.64% | 1.59% | 1.65% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▂▃▄▆▇▇█ | Tang. Book Value ($M) | $27 | $28 | $28 | $29 | $30 | $30 | $31 | $31 |
| ▁▁▁▃▅▅▇█ | Gross Loans ($M) | $158 | $158 | $162 | $173 | $183 | $185 | $196 | $203 |
| ▁▂▂▃▄▆██ | Total Deposits ($M) | $227 | $235 | $237 | $241 | $243 | $254 | $268 | $269 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 71% |
| C&I / Commercial | 17% |
| Agricultural | 11% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 4% |