Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.49% | -0.10 | 2.59% |
| Return on Equity (%) | ▼ | 26.32% | -2.80 | 29.12% |
| Net Interest Margin (%) | ▲ | 4.84% | +0.09 | 4.75% |
| Efficiency Ratio (%) | ▼ | 50.79% | +3.28 | 47.50% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.08 | $1 |
| Cost of Funds (%) | ▲ | 0.95% | -0.09 | 1.04% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $146 | +8.09 | $138 |
| Gross Loans ($M) | ▲ | $108 | +2.35 | $105 |
| Loan Growth YoY (%) | ▼ | 84.86% | -2.52 | 87.38% |
| Total Deposits ($M) | ▲ | $125 | +6.27 | $119 |
| Shareholders Equity ($M) | ▲ | $14 | +1.37 | $12 |
| Tang. Book Value ($M) | ▲ | $14 | +1.37 | $12 |
| Loan / Deposit Ratio (%) | ▼ | 84.86% | -2.52 | 87.38% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.04% | 0.01% | 1.03% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.98% | +1.21 | 13.77% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▆██▇█ | Net Interest Margin (%) | 4.49% | 4.54% | 4.61% | 4.75% | 4.81% | 4.85% | 4.79% | 4.84% |
| ▂▁▇██▅█▇ | Return on Assets (%) | 2.13% | 2.02% | 2.45% | 2.59% | 2.55% | 2.36% | 2.54% | 2.49% |
| ▆█▂▁▂▅▁▃ | Efficiency Ratio (%) | 54.6% | 57.4% | 48.7% | 47.5% | 48.9% | 52.8% | 47.8% | 50.8% |
| ▇▆▅▄██▂▁ | Cost of Funds (%) | 1.10% | 1.08% | 1.06% | 1.04% | 1.13% | 1.13% | 0.97% | 0.95% |
| ▁█▁▁▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁█▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▂▁▂▃▅▆▇█ | Tang. Book Value ($M) | $12 | $12 | $12 | $12 | $13 | $13 | $13 | $14 |
| ▁▃▂▇▆▆██ | Gross Loans ($M) | $96 | $100 | $99 | $105 | $104 | $104 | $107 | $108 |
| ▁▂▃▂▅▅▇█ | Total Deposits ($M) | $118 | $119 | $121 | $119 | $122 | $122 | $124 | $125 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 87% |
| C&I / Commercial | 4% |
| Agricultural | 3% |
| Consumer | 5% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 8% |