Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.59% | +0.33 | 1.27% |
| Return on Equity (%) | ▲ | 10.14% | +2.08 | 8.06% |
| Net Interest Margin (%) | ▲ | 4.05% | +0.43 | 3.62% |
| Efficiency Ratio (%) | ▲ | 46.93% | -6.52 | 53.45% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.26 | $1 |
| Cost of Funds (%) | ▼ | 1.41% | +0.01 | 1.41% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $170 | +14.00 | $156 |
| Gross Loans ($M) | ▲ | $109 | +5.81 | $103 |
| Loan Growth YoY (%) | ▼ | 75.89% | -2.95 | 78.84% |
| Total Deposits ($M) | ▲ | $142 | +12.61 | $129 |
| Shareholders Equity ($M) | ▲ | $27 | +1.27 | $25 |
| Tang. Book Value ($M) | ▲ | $24 | +1.28 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +1.44 | $25 |
| Loan / Deposit Ratio (%) | ▼ | 75.89% | -2.95 | 78.84% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.22 | 0.22% |
| Allowance / Loans (%) | — | 1.45% | -0.02% | 1.47% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.33 | 0.34% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▇██ | Net Interest Margin (%) | 3.04% | 3.13% | 3.52% | 3.62% | 3.69% | 3.81% | 4.04% | 4.05% |
| ▁▁▅▄▅▆██ | Return on Assets (%) | 0.97% | 1.00% | 1.28% | 1.27% | 1.34% | 1.37% | 1.57% | 1.59% |
| ██▄▅▄▄▁▁ | Efficiency Ratio (%) | 57.8% | 58.3% | 51.4% | 53.4% | 51.5% | 52.4% | 47.3% | 46.9% |
| ██▁▃▆▅▁▃ | Cost of Funds (%) | 1.52% | 1.51% | 1.38% | 1.41% | 1.46% | 1.45% | 1.36% | 1.41% |
| ▁▁▁██▁▁▁ | NPA / Assets (%) | 0.01% | 0.01% | 0.01% | 0.22% | 0.22% | 0.00% | 0.00% | 0.00% |
| ▁▁▁██▁▁▁ | Net Charge-Off Ratio (%) | 0.01% | 0.01% | 0.01% | 0.34% | 0.32% | 0.00% | 0.00% | 0.00% |
| ▁▁▃▅▆▆▇█ | Tang. Book Value ($M) | $22 | $22 | $23 | $23 | $24 | $24 | $24 | $24 |
| ▁▁▁▁▅█▇▇ | Gross Loans ($M) | $103 | $104 | $103 | $103 | $107 | $111 | $109 | $109 |
| ▂▂▄▁▃▃██ | Total Deposits ($M) | $132 | $131 | $134 | $129 | $133 | $133 | $142 | $142 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 7% |
| Agricultural | 17% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 12% |