Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.43% | -0.03 | 2.46% |
| Return on Equity (%) | ▼ | 26.57% | -1.73 | 28.30% |
| Net Interest Margin (%) | ▲ | 5.25% | +0.25 | 5.00% |
| Efficiency Ratio (%) | ▼ | 53.60% | +3.66 | 49.94% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.06 | $1 |
| Cost of Funds (%) | ▲ | 1.25% | -0.15 | 1.40% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $154 | +6.08 | $148 |
| Gross Loans ($M) | ▲ | $122 | +16.72 | $106 |
| Loan Growth YoY (%) | ▲ | 89.85% | +4.73 | 85.13% |
| Total Deposits ($M) | ▲ | $135 | +12.14 | $123 |
| Shareholders Equity ($M) | ▲ | $14 | +0.92 | $13 |
| Tang. Book Value ($M) | ▲ | $14 | +0.92 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 89.85% | +4.73 | 85.13% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.79% | -0.12% | 0.91% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -11.69 | 11.69% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆▆▆▇█ | Net Interest Margin (%) | 4.39% | 4.46% | 4.88% | 5.00% | 5.01% | 5.01% | 5.11% | 5.25% |
| ▁▁▆▇██▃▇ | Return on Assets (%) | 2.10% | 2.05% | 2.37% | 2.46% | 2.52% | 2.48% | 2.20% | 2.43% |
| ▃▆▃▂▁▂█▆ | Efficiency Ratio (%) | 51.3% | 53.9% | 50.7% | 49.9% | 48.7% | 49.7% | 56.4% | 53.6% |
| █▇▂▃▅▇▁▁ | Cost of Funds (%) | 1.72% | 1.63% | 1.36% | 1.40% | 1.49% | 1.65% | 1.24% | 1.25% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▃▁▃▅▇▇▇█ | Tang. Book Value ($M) | $13 | $12 | $13 | $13 | $14 | $14 | $14 | $14 |
| ▁▁▁▂▅▆▇█ | Gross Loans ($M) | $101 | $101 | $103 | $106 | $113 | $116 | $118 | $122 |
| ▁▂▅▄▁▄██ | Total Deposits ($M) | $115 | $117 | $126 | $123 | $117 | $125 | $135 | $135 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 25% |
| C&I / Commercial | 4% |
| Agricultural | 69% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 7% |