Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.94% | +0.38 | 1.56% |
| Return on Equity (%) | ▲ | 17.64% | +3.29 | 14.35% |
| Net Interest Margin (%) | ▲ | 4.63% | +0.42 | 4.21% |
| Efficiency Ratio (%) | ▲ | 51.52% | -6.19 | 57.71% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $0 |
| Cost of Funds (%) | ▲ | 1.04% | -0.24 | 1.28% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $106 | +8.15 | $98 |
| Gross Loans ($M) | ▲ | $87 | +7.45 | $80 |
| Loan Growth YoY (%) | ▲ | 92.72% | +1.08 | 91.64% |
| Total Deposits ($M) | ▲ | $92 | +7.02 | $85 |
| Shareholders Equity ($M) | ▲ | $12 | +1.18 | $11 |
| Tang. Book Value ($M) | ▲ | $12 | +1.18 | $11 |
| Loan / Deposit Ratio (%) | ▲ | 92.72% | +1.08 | 91.64% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.66% | -0.03 | 0.70% |
| Allowance / Loans (%) | — | 1.43% | -0.11% | 1.54% |
| Net Charge-Off Ratio (%) | ▲ | 0.80% | -0.05 | 0.85% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▃▄▄██ | Net Interest Margin (%) | 3.98% | 3.98% | 4.19% | 4.21% | 4.26% | 4.27% | 4.55% | 4.63% |
| ▁▁▂▄▅▅▇█ | Return on Assets (%) | 1.31% | 1.33% | 1.40% | 1.56% | 1.63% | 1.66% | 1.82% | 1.94% |
| ██▇▅▄▄▁▁ | Efficiency Ratio (%) | 61.5% | 61.5% | 59.2% | 57.7% | 56.0% | 55.4% | 52.0% | 51.5% |
| ▇█▅█▅▁▁▃ | Cost of Funds (%) | 1.24% | 1.25% | 1.16% | 1.28% | 1.14% | 0.98% | 0.95% | 1.04% |
| █▁▂▂▁▃▇▂ | NPA / Assets (%) | 1.67% | 0.45% | 0.66% | 0.70% | 0.37% | 0.75% | 1.43% | 0.66% |
| █▁▂▂▁▃▇▂ | Net Charge-Off Ratio (%) | 2.08% | 0.57% | 0.81% | 0.85% | 0.47% | 1.01% | 1.78% | 0.80% |
| ▁▁▂▃▄▆▇█ | Tang. Book Value ($M) | $10 | $11 | $11 | $11 | $11 | $12 | $12 | $12 |
| ▁▁▁▂▂▄▇█ | Gross Loans ($M) | $78 | $78 | $79 | $80 | $80 | $81 | $85 | $87 |
| ▁▁▁▁▃█▆▆ | Total Deposits ($M) | $84 | $84 | $85 | $85 | $88 | $96 | $92 | $92 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 55% |
| C&I / Commercial | 8% |
| Agricultural | 34% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 34% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 9% |