Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.36% | -0.43 | 1.79% |
| Return on Equity (%) | ▼ | 10.91% | -4.39 | 15.30% |
| Net Interest Margin (%) | ▼ | 3.59% | -0.37 | 3.96% |
| Efficiency Ratio (%) | ▼ | 63.51% | +8.47 | 55.04% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.03 | $1 |
| Cost of Funds (%) | ▲ | 1.34% | -0.08 | 1.42% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $210 | +7.53 | $203 |
| Gross Loans ($M) | ▲ | $125 | +7.83 | $118 |
| Loan Growth YoY (%) | ▲ | 71.53% | +2.36 | 69.17% |
| Total Deposits ($M) | ▲ | $174 | +5.38 | $168 |
| Shareholders Equity ($M) | ▲ | $27 | +2.13 | $25 |
| Tang. Book Value ($M) | ▲ | $27 | +2.17 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $30 | +2.03 | $28 |
| Loan / Deposit Ratio (%) | ▲ | 71.53% | +2.36 | 69.17% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.06% | -0.01 | 0.07% |
| Allowance / Loans (%) | — | 0.98% | -0.06% | 1.04% |
| Net Charge-Off Ratio (%) | ▲ | 0.10% | -0.02 | 0.12% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁█▆▅▄▃▃ | Net Interest Margin (%) | 3.28% | 3.34% | 4.25% | 3.96% | 3.80% | 3.76% | 3.54% | 3.59% |
| ▁▁█▆▅▄▃▃ | Return on Assets (%) | 1.05% | 1.14% | 2.06% | 1.79% | 1.59% | 1.47% | 1.32% | 1.36% |
| █▇▁▂▄▅▇▇ | Efficiency Ratio (%) | 67.2% | 65.2% | 51.8% | 55.0% | 58.3% | 60.7% | 64.0% | 63.5% |
| ██▂▅▃█▁▂ | Cost of Funds (%) | 1.51% | 1.52% | 1.35% | 1.42% | 1.36% | 1.50% | 1.30% | 1.34% |
| █▄▁▁▂▁▁▁ | NPA / Assets (%) | 0.49% | 0.23% | 0.02% | 0.07% | 0.12% | 0.06% | 0.06% | 0.06% |
| █▄▁▁▂▁▁▁ | Net Charge-Off Ratio (%) | 0.90% | 0.42% | 0.04% | 0.12% | 0.22% | 0.10% | 0.11% | 0.10% |
| ▁▂▃▄▅▆▇█ | Tang. Book Value ($M) | $23 | $24 | $24 | $25 | $26 | $26 | $27 | $27 |
| ▁▂▁▃▇█▇█ | Gross Loans ($M) | $114 | $115 | $113 | $118 | $123 | $124 | $123 | $125 |
| ▃▆▄▁█▆▄▃ | Total Deposits ($M) | $174 | $179 | $176 | $168 | $186 | $180 | $177 | $174 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 10% |
| Agricultural | 5% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 6% |