Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.92% | +0.10 | 0.82% |
| Return on Equity (%) | ▲ | 11.27% | +0.41 | 10.86% |
| Net Interest Margin (%) | ▲ | 3.71% | +0.34 | 3.36% |
| Efficiency Ratio (%) | ▲ | 74.89% | -0.77 | 75.66% |
| Pre-Provision Profit ($M) | — | $0 | 0.00 | $0 |
| Cost of Funds (%) | ▲ | 1.27% | -0.01 | 1.28% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $185 | +6.35 | $179 |
| Gross Loans ($M) | ▲ | $107 | +5.16 | $102 |
| Loan Growth YoY (%) | ▲ | 62.15% | +1.15 | 61.01% |
| Total Deposits ($M) | ▲ | $170 | +5.21 | $165 |
| Shareholders Equity ($M) | ▲ | $15 | +1.11 | $14 |
| Tang. Book Value ($M) | ▲ | $15 | +1.11 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +1.73 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 62.15% | +1.15 | 61.01% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.58% | +0.34 | 0.25% |
| Allowance / Loans (%) | — | 1.11% | -0.02% | 1.13% |
| Net Charge-Off Ratio (%) | ▼ | 0.74% | +0.62 | 0.12% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.36% | +2.18 | 14.18% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▆▆▇█ | Net Interest Margin (%) | 3.02% | 3.09% | 3.23% | 3.36% | 3.47% | 3.53% | 3.62% | 3.71% |
| ▁▂▄▆▇█▇█ | Return on Assets (%) | 0.53% | 0.59% | 0.70% | 0.82% | 0.87% | 0.94% | 0.88% | 0.92% |
| █▇▅▃▂▁▂▂ | Efficiency Ratio (%) | 81.9% | 80.5% | 78.3% | 75.7% | 74.3% | 72.8% | 74.6% | 74.9% |
| ███▁▂▂▃▁ | Cost of Funds (%) | 1.36% | 1.37% | 1.36% | 1.28% | 1.29% | 1.28% | 1.30% | 1.27% |
| ▁▁▄▄▃▃▆█ | NPA / Assets (%) | 0.00% | 0.01% | 0.27% | 0.25% | 0.21% | 0.18% | 0.42% | 0.58% |
| ▁▁▅▂▁▁▅█ | Net Charge-Off Ratio (%) | 0.00% | 0.02% | 0.43% | 0.12% | 0.06% | 0.02% | 0.43% | 0.74% |
| ▁▁▃▅▆█▇█ | Tang. Book Value ($M) | $12 | $13 | $13 | $14 | $15 | $15 | $15 | $15 |
| ▃▃▅▂▁▁▅█ | Gross Loans ($M) | $102 | $102 | $103 | $102 | $101 | $100 | $103 | $107 |
| ▅▅▁▄▅█▆▇ | Total Deposits ($M) | $166 | $166 | $160 | $165 | $168 | $172 | $169 | $170 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 6% |
| Agricultural | 3% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 4% |