Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.60% | +0.45 | 1.15% |
| Return on Equity (%) | ▲ | 21.00% | +4.09 | 16.91% |
| Net Interest Margin (%) | ▲ | 4.12% | +0.35 | 3.77% |
| Efficiency Ratio (%) | ▲ | 58.23% | -8.62 | 66.85% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.20 | $1 |
| Cost of Funds (%) | ▲ | 1.80% | -0.08 | 1.88% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $158 | +12.00 | $146 |
| Gross Loans ($M) | ▲ | $137 | +12.89 | $124 |
| Loan Growth YoY (%) | ▲ | 117.23% | +1.52 | 115.71% |
| Total Deposits ($M) | ▲ | $116 | +9.42 | $107 |
| Shareholders Equity ($M) | ▲ | $12 | +1.28 | $11 |
| Tang. Book Value ($M) | ▲ | $12 | +1.28 | $11 |
| Loan / Deposit Ratio (%) | ▲ | 117.23% | +1.52 | 115.71% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.12% | +0.09 | 0.04% |
| Allowance / Loans (%) | — | 0.95% | 0.08% | 0.87% |
| Net Charge-Off Ratio (%) | ▼ | 0.14% | +0.10 | 0.04% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 9.73% | -0.17 | 9.90% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▁▃▃▅▇█ | Net Interest Margin (%) | 3.64% | 3.72% | 3.67% | 3.77% | 3.81% | 3.92% | 4.04% | 4.12% |
| ▁▁▂▃▄▅██ | Return on Assets (%) | 0.96% | 0.94% | 1.03% | 1.15% | 1.22% | 1.29% | 1.52% | 1.60% |
| ██▇▅▄▃▁▁ | Efficiency Ratio (%) | 72.4% | 72.4% | 69.4% | 66.9% | 64.0% | 63.3% | 59.6% | 58.2% |
| ▃▁▆▆█▆▅▄ | Cost of Funds (%) | 1.73% | 1.61% | 1.86% | 1.88% | 2.01% | 1.88% | 1.85% | 1.80% |
| █▁▁▂▂▁▁▅ | NPA / Assets (%) | 0.23% | 0.00% | 0.00% | 0.04% | 0.03% | 0.00% | 0.00% | 0.12% |
| ▁▁▁▃▃▁▁█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.04% | 0.04% | 0.00% | 0.01% | 0.14% |
| ▁▁▅▆▇███ | Tang. Book Value ($M) | $8 | $8 | $10 | $11 | $11 | $12 | $12 | $12 |
| ▁▂▃▅▆▇▇█ | Gross Loans ($M) | $109 | $116 | $119 | $124 | $128 | $133 | $134 | $137 |
| ▅▁▄▂▅█▅█ | Total Deposits ($M) | $110 | $103 | $110 | $107 | $111 | $117 | $112 | $116 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 60% |
| C&I / Commercial | 12% |
| Agricultural | 24% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 20% |