Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.46% | -0.24 | 0.70% |
| Return on Equity (%) | ▼ | 4.29% | -2.80 | 7.09% |
| Net Interest Margin (%) | ▲ | 2.63% | +0.08 | 2.55% |
| Efficiency Ratio (%) | ▼ | 70.27% | +0.34 | 69.93% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.02 | $0 |
| Cost of Funds (%) | ▲ | 1.55% | -0.18 | 1.73% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $117 | +4.43 | $112 |
| Gross Loans ($M) | ▼ | $22 | -1.23 | $23 |
| Loan Growth YoY (%) | ▼ | 20.69% | -2.44 | 23.14% |
| Total Deposits ($M) | ▲ | $103 | +5.60 | $98 |
| Shareholders Equity ($M) | ▲ | $12 | +0.93 | $11 |
| Tang. Book Value ($M) | ▲ | $12 | +0.93 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +1.25 | $15 |
| Loan / Deposit Ratio (%) | ▼ | 20.69% | -2.44 | 23.14% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.71% | 0.09% | 1.62% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 39.77% | +6.14 | 33.64% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▃▁▅████ | Net Interest Margin (%) | 2.49% | 2.51% | 2.46% | 2.55% | 2.62% | 2.63% | 2.63% | 2.63% |
| ▅▄▁▆█▇▄▁ | Return on Assets (%) | 0.63% | 0.59% | 0.49% | 0.70% | 0.78% | 0.74% | 0.60% | 0.46% |
| ▃▄█▂▁▂▆▃ | Efficiency Ratio (%) | 70.7% | 71.7% | 75.7% | 69.9% | 68.2% | 69.8% | 73.0% | 70.3% |
| ▇▅▄▇█▇▁▁ | Cost of Funds (%) | 1.72% | 1.66% | 1.65% | 1.73% | 1.77% | 1.73% | 1.56% | 1.55% |
| ▁▁▁▁█▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▁█▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | 0.00% | 0.00% | 0.00% |
| ▄▁▃▄▇███ | Tang. Book Value ($M) | $11 | $11 | $11 | $11 | $12 | $12 | $12 | $12 |
| ▁▄▄▇▇█▆▃ | Gross Loans ($M) | $21 | $22 | $22 | $23 | $23 | $23 | $23 | $22 |
| ▁▅▆▅▂▄▇█ | Total Deposits ($M) | $92 | $98 | $100 | $98 | $95 | $97 | $101 | $103 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 61% |
| C&I / Commercial | 8% |
| Agricultural | 25% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 8% |