Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.12% | +0.19 | 1.93% |
| Return on Equity (%) | ▲ | 22.19% | +0.37 | 21.82% |
| Net Interest Margin (%) | ▲ | 3.97% | +0.29 | 3.68% |
| Efficiency Ratio (%) | ▲ | 42.52% | -0.39 | 42.91% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $1 |
| Cost of Funds (%) | ▲ | 2.01% | -0.06 | 2.06% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $234 | +8.86 | $225 |
| Gross Loans ($M) | ▲ | $206 | +6.23 | $200 |
| Loan Growth YoY (%) | ▼ | 111.97% | -3.01 | 114.98% |
| Total Deposits ($M) | ▲ | $182 | +10.34 | $171 |
| Shareholders Equity ($M) | ▲ | $23 | +2.56 | $20 |
| Tang. Book Value ($M) | ▲ | $23 | +2.56 | $20 |
| Loan / Deposit Ratio (%) | ▼ | 111.97% | -3.01 | 114.98% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.40% | +0.40 | 0.00% |
| Allowance / Loans (%) | — | 1.20% | -0.14% | 1.34% |
| Net Charge-Off Ratio (%) | ▼ | 0.33% | +0.33 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▂▃▄██ | Net Interest Margin (%) | 3.61% | 3.59% | 3.64% | 3.68% | 3.71% | 3.75% | 3.95% | 3.97% |
| ▁▁▅▃▃▄█▆ | Return on Assets (%) | 1.79% | 1.76% | 2.04% | 1.93% | 1.94% | 2.00% | 2.25% | 2.12% |
| ██▁▄▄▄▁▄ | Efficiency Ratio (%) | 47.3% | 47.6% | 40.0% | 42.9% | 43.1% | 42.7% | 39.0% | 42.5% |
| ▄▁▂▆██▃▄ | Cost of Funds (%) | 2.01% | 1.92% | 1.96% | 2.06% | 2.12% | 2.13% | 1.98% | 2.01% |
| ▁▁▁▁▃▃▅█ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.13% | 0.12% | 0.25% | 0.40% |
| ▁▁▁▁▄▄▇█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.15% | 0.14% | 0.27% | 0.33% |
| ▄▁▃▄▆▇▇█ | Tang. Book Value ($M) | $20 | $19 | $20 | $20 | $21 | $22 | $22 | $23 |
| ▁▄▄▅▅██▇ | Gross Loans ($M) | $185 | $196 | $198 | $200 | $200 | $212 | $212 | $206 |
| ▁▃▄▃▆▇██ | Total Deposits ($M) | $166 | $170 | $173 | $171 | $178 | $181 | $183 | $182 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 58% |
| C&I / Commercial | 9% |
| Agricultural | 31% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 18% |