Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.74% | -0.46 | 1.19% |
| Return on Equity (%) | ▼ | 7.52% | -3.82 | 11.34% |
| Net Interest Margin (%) | ▼ | 91.06% | -34.93 | 125.99% |
| Efficiency Ratio (%) | ▲ | 70.82% | -1.10 | 71.92% |
| Pre-Provision Profit ($M) | ▼ | $12 | -2.68 | $15 |
| Cost of Funds (%) | ▼ | 1.90% | +0.40 | 1.50% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $225 | +21.15 | $204 |
| Gross Loans ($M) | ▲ | $179 | +45.60 | $133 |
| Loan Growth YoY (%) | ▲ | 88.19% | +17.42 | 70.77% |
| Total Deposits ($M) | ▲ | $196 | +18.26 | $177 |
| Shareholders Equity ($M) | ▲ | $23 | +4.34 | $18 |
| Tang. Book Value ($M) | ▲ | $22 | +4.48 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 88.19% | +17.42 | 70.77% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.35% | +1.35 | 0.00% |
| Allowance / Loans (%) | — | 3.44% | -2.26% | 5.70% |
| Net Charge-Off Ratio (%) | ▼ | 1.69% | +1.69 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 11.73% | -0.07 | 11.80% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▆▆▆██▁▁ | Net Interest Margin (%) | 117.56% | 122.11% | 125.36% | 125.99% | 135.05% | 137.78% | 95.71% | 91.06% |
| ▅▅▇▇██▁▂ | Return on Assets (%) | 0.99% | 1.00% | 1.23% | 1.19% | 1.32% | 1.30% | 0.60% | 0.74% |
| █▇▂▂▁▁▁▁ | Efficiency Ratio (%) | 92.2% | 87.6% | 72.6% | 71.9% | 68.8% | 67.9% | 68.9% | 70.8% |
| ▃▇▆▁██▁▇ | Cost of Funds (%) | 1.68% | 1.91% | 1.84% | 1.50% | 1.94% | 1.98% | 1.56% | 1.90% |
| ▁▁▁▁▄█▅▅ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 1.01% | 2.59% | 1.45% | 1.35% |
| ▁▁▁▁▄█▅▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 1.36% | 3.52% | 2.16% | 1.69% |
| ▁▁▁▂▆▇██ | Tang. Book Value ($M) | $17 | $16 | $17 | $18 | $21 | $22 | $22 | $22 |
| ▁▁▁▄▆▆▇█ | Gross Loans ($M) | $88 | $93 | $96 | $133 | $156 | $154 | $165 | $179 |
| ▁▁▃▆▆▆█▇ | Total Deposits ($M) | $101 | $115 | $141 | $177 | $181 | $180 | $218 | $196 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 44% |
| C&I / Commercial | 5% |
| Agricultural | 1% |
| Consumer | 49% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 7% |