Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.03% | +0.23 | 0.80% |
| Return on Equity (%) | ▲ | 10.35% | +1.58 | 8.77% |
| Net Interest Margin (%) | ▲ | 3.06% | +0.38 | 2.68% |
| Efficiency Ratio (%) | ▲ | 61.56% | -5.16 | 66.72% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▲ | 2.04% | -0.24 | 2.29% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $271 | +10.81 | $260 |
| Gross Loans ($M) | ▲ | $183 | +9.71 | $173 |
| Loan Growth YoY (%) | ▲ | 82.48% | +3.18 | 79.30% |
| Total Deposits ($M) | ▲ | $219 | +3.27 | $216 |
| Shareholders Equity ($M) | ▲ | $28 | +3.02 | $25 |
| Tang. Book Value ($M) | ▲ | $28 | +3.02 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +2.94 | $28 |
| Loan / Deposit Ratio (%) | ▲ | 82.48% | +3.18 | 79.30% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.18% | 0.02% | 1.16% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
Noninterest income ($0.48M) is materially above the typical range relative to net interest income. This may include one-time items. Efficiency ratio may not reflect recurring earnings power.
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▁▂▃▄▆█ | Net Interest Margin (%) | 2.62% | 2.63% | 2.56% | 2.68% | 2.72% | 2.76% | 2.93% | 3.06% |
| ▄▄▁▅▅▆▇█ | Return on Assets (%) | 0.72% | 0.71% | 0.46% | 0.80% | 0.80% | 0.82% | 0.90% | 1.03% |
| ▅▅█▃▃▃▂▁ | Efficiency Ratio (%) | 70.4% | 70.1% | 76.9% | 66.7% | 66.4% | 66.3% | 63.5% | 61.6% |
| █▆▅▆▄▁▁▁ | Cost of Funds (%) | 2.39% | 2.28% | 2.24% | 2.29% | 2.21% | 2.08% | 2.08% | 2.04% |
| █▁▁▁▁▁▁▁ | NPA / Assets (%) | 0.16% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| █▁▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.25% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▁▂▃▆▇▇█ | Tang. Book Value ($M) | $25 | $23 | $24 | $25 | $26 | $27 | $27 | $28 |
| ▁▃▃▃▃███ | Gross Loans ($M) | $168 | $173 | $172 | $173 | $174 | $184 | $183 | $183 |
| ▄▁▅▃▂▁█▅ | Total Deposits ($M) | $217 | $210 | $219 | $216 | $213 | $212 | $227 | $219 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 11% |
| Agricultural | 20% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 11% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 13% |