Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.65% | +0.26 | 0.39% |
| Return on Equity (%) | ▲ | 6.00% | +2.09 | 3.91% |
| Net Interest Margin (%) | ▲ | 3.30% | +0.38 | 2.92% |
| Efficiency Ratio (%) | ▲ | 79.75% | -7.88 | 87.63% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.11 | $0 |
| Cost of Funds (%) | ▲ | 1.74% | -0.29 | 2.03% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $131 | +1.58 | $129 |
| Gross Loans ($M) | ▲ | $89 | +2.96 | $86 |
| Loan Growth YoY (%) | ▲ | 79.50% | +2.77 | 76.73% |
| Total Deposits ($M) | ▼ | $111 | -0.15 | $111 |
| Shareholders Equity ($M) | ▲ | $15 | +1.73 | $13 |
| Tang. Book Value ($M) | ▲ | $15 | +1.73 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +1.71 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 79.50% | +2.77 | 76.73% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.19% | -0.01 | 0.20% |
| Allowance / Loans (%) | — | 1.30% | -0.05% | 1.35% |
| Net Charge-Off Ratio (%) | ▲ | 0.27% | -0.03 | 0.30% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆▆▆██ | Net Interest Margin (%) | 2.26% | 2.32% | 2.84% | 2.92% | 3.00% | 3.03% | 3.25% | 3.30% |
| ▅▁▇▇▇███ | Return on Assets (%) | -0.05% | -0.92% | 0.32% | 0.39% | 0.43% | 0.49% | 0.59% | 0.65% |
| ▇█▃▃▂▂▁▁ | Efficiency Ratio (%) | 102.2% | 106.0% | 88.7% | 87.6% | 85.9% | 84.2% | 81.9% | 79.7% |
| ▆█▆▄▂▃▁▁ | Cost of Funds (%) | 2.11% | 2.33% | 2.17% | 2.03% | 1.86% | 1.95% | 1.75% | 1.74% |
| █▆▁▁▁▁▁▁ | NPA / Assets (%) | 0.33% | 0.28% | 0.20% | 0.20% | 0.19% | 0.18% | 0.18% | 0.19% |
| █▄▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.50% | 0.37% | 0.29% | 0.30% | 0.28% | 0.28% | 0.28% | 0.27% |
| ▆▁▁▂▆▇▆█ | Tang. Book Value ($M) | $14 | $13 | $13 | $13 | $14 | $14 | $14 | $15 |
| ▁██▆██▆█ | Gross Loans ($M) | $79 | $89 | $88 | $86 | $89 | $89 | $87 | $89 |
| ▁▃▇▇▅██▇ | Total Deposits ($M) | $100 | $104 | $111 | $111 | $107 | $113 | $113 | $111 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 69% |
| C&I / Commercial | 18% |
| Agricultural | 10% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 9% |