Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.20% | +1.55 | -0.35% |
| Return on Equity (%) | ▲ | 8.37% | +11.41 | -3.04% |
| Net Interest Margin (%) | ▲ | 5.51% | +3.67 | 1.84% |
| Efficiency Ratio (%) | ▼ | 74.92% | +6.78 | 68.13% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.46 | $0 |
| Cost of Funds (%) | ▼ | 1.60% | +1.76 | -0.17% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $140 | +14.82 | $125 |
| Gross Loans ($M) | ▲ | $90 | +24.39 | $65 |
| Loan Growth YoY (%) | ▲ | 74.78% | +13.22 | 61.56% |
| Total Deposits ($M) | ▲ | $119 | +13.87 | $105 |
| Shareholders Equity ($M) | ▲ | $20 | +1.04 | $19 |
| Tang. Book Value ($M) | ▲ | $10 | +1.32 | $9 |
| Loan / Deposit Ratio (%) | ▲ | 74.78% | +13.22 | 61.56% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.67% | -0.12 | 0.80% |
| Allowance / Loans (%) | — | 0.83% | -0.15% | 0.98% |
| Net Charge-Off Ratio (%) | ▲ | 0.20% | -0.15 | 0.35% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 11.79% | -2.08 | 13.87% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▅▆▁▃▅▅█ | Net Interest Margin (%) | 3.91% | 3.81% | 4.20% | 1.84% | 3.11% | 3.69% | 3.74% | 5.51% |
| ▅▅▅▁▂▃█▇ | Return on Assets (%) | 0.87% | 0.83% | 0.75% | -0.35% | 0.13% | 0.29% | 1.64% | 1.20% |
| ▇▇█▁▁▂█▅ | Efficiency Ratio (%) | 78.3% | 79.0% | 81.3% | 68.1% | 68.3% | 71.2% | 80.5% | 74.9% |
| ▆▅▅▁▅▆▃█ | Cost of Funds (%) | 1.04% | 0.86% | 0.82% | -0.17% | 0.92% | 0.99% | 0.35% | 1.60% |
| ███▄▁▁▁▃ | NPA / Assets (%) | 1.02% | 1.04% | 1.05% | 0.80% | 0.57% | 0.54% | 0.54% | 0.67% |
| ▆▆▃█▂▂▁▅ | Net Charge-Off Ratio (%) | 0.22% | 0.26% | 0.12% | 0.35% | 0.05% | 0.05% | 0.00% | 0.20% |
| ▄▁▂▄▇███ | Tang. Book Value ($M) | $9 | $8 | $8 | $9 | $10 | $10 | $10 | $10 |
| ▁▁▁▃▅▇▇█ | Gross Loans ($M) | $55 | $59 | $56 | $65 | $75 | $82 | $84 | $90 |
| ▁▄▃▃▄▇▆█ | Total Deposits ($M) | $98 | $108 | $106 | $105 | $108 | $114 | $114 | $119 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 61% |
| C&I / Commercial | 14% |
| Agricultural | 18% |
| Consumer | 2% |
| Other | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 31% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 6% |