Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.39% | +0.25 | 1.13% |
| Return on Equity (%) | ▲ | 11.47% | +1.71 | 9.76% |
| Net Interest Margin (%) | ▲ | 4.00% | +0.34 | 3.66% |
| Efficiency Ratio (%) | ▲ | 54.64% | -4.37 | 59.01% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.52 | $2 |
| Cost of Funds (%) | ▲ | 1.95% | -0.15 | 2.10% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $499 | +39.60 | $459 |
| Gross Loans ($M) | ▲ | $392 | +42.06 | $350 |
| Loan Growth YoY (%) | ▲ | 92.92% | +1.78 | 91.14% |
| Total Deposits ($M) | ▲ | $418 | +37.20 | $380 |
| Shareholders Equity ($M) | ▲ | $61 | +6.30 | $54 |
| Tang. Book Value ($M) | ▲ | $59 | +6.30 | $53 |
| TBV excl. AOCI ($M)** | ▲ | $63 | +6.30 | $57 |
| Loan / Deposit Ratio (%) | ▲ | 92.92% | +1.78 | 91.14% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.47% | -0.14 | 0.61% |
| Allowance / Loans (%) | — | 1.10% | 0.07% | 1.03% |
| Net Charge-Off Ratio (%) | ▲ | 0.60% | -0.20 | 0.80% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆██ | Net Interest Margin (%) | 3.36% | 3.43% | 3.55% | 3.66% | 3.74% | 3.80% | 3.94% | 4.00% |
| ▁▁▂▃▄▅██ | Return on Assets (%) | 1.00% | 1.04% | 1.06% | 1.13% | 1.17% | 1.22% | 1.37% | 1.39% |
| ██▇▆▄▃▁▁ | Efficiency Ratio (%) | 61.6% | 61.2% | 60.6% | 59.0% | 57.5% | 56.5% | 54.8% | 54.6% |
| ██▄▅▅▄▁▂ | Cost of Funds (%) | 2.27% | 2.26% | 2.07% | 2.10% | 2.10% | 2.08% | 1.90% | 1.95% |
| ▁▆▇█▆▆▇▇ | NPA / Assets (%) | 0.00% | 0.45% | 0.50% | 0.61% | 0.43% | 0.44% | 0.50% | 0.47% |
| ▁▆▇█▆▆▇▆ | Net Charge-Off Ratio (%) | 0.00% | 0.59% | 0.66% | 0.80% | 0.58% | 0.58% | 0.64% | 0.60% |
| ▁▁▂▃▅▇██ | Tang. Book Value ($M) | $50 | $49 | $51 | $53 | $55 | $57 | $58 | $59 |
| ▁▂▃▃▄▆▇█ | Gross Loans ($M) | $325 | $337 | $342 | $350 | $356 | $368 | $381 | $392 |
| ▁▁▄▃▆▆▇█ | Total Deposits ($M) | $366 | $368 | $386 | $380 | $399 | $404 | $409 | $418 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 14% |
| Agricultural | 16% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 15% |