Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.24% | +0.22 | 1.03% |
| Return on Equity (%) | ▼ | 27.21% | -2.73 | 29.94% |
| Net Interest Margin (%) | ▲ | 3.60% | +0.21 | 3.39% |
| Efficiency Ratio (%) | ▲ | 66.98% | -1.58 | 68.57% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.03 | $0 |
| Cost of Funds (%) | ▲ | 0.84% | -0.21 | 1.05% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $134 | +1.35 | $133 |
| Gross Loans ($M) | ▲ | $62 | +4.51 | $58 |
| Loan Growth YoY (%) | ▲ | 49.08% | +4.30 | 44.78% |
| Total Deposits ($M) | ▼ | $126 | -2.14 | $128 |
| Shareholders Equity ($M) | ▲ | $6 | +1.41 | $5 |
| Tang. Book Value ($M) | ▲ | $6 | +1.41 | $4 |
| TBV excl. AOCI ($M)** | ▲ | $9 | +1.43 | $7 |
| Loan / Deposit Ratio (%) | ▲ | 49.08% | +4.30 | 44.78% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.08% | +0.04 | 0.04% |
| Allowance / Loans (%) | — | 0.82% | -0.00% | 0.82% |
| Net Charge-Off Ratio (%) | ▼ | 0.18% | +0.08 | 0.10% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 17.71% | -0.98 | 18.69% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▇██ | Net Interest Margin (%) | 3.08% | 3.14% | 3.29% | 3.39% | 3.47% | 3.53% | 3.56% | 3.60% |
| ▂▁▁▃▆▅██ | Return on Assets (%) | 0.96% | 0.91% | 0.94% | 1.03% | 1.15% | 1.12% | 1.24% | 1.24% |
| ▆█▃▄▁▃▁▁ | Efficiency Ratio (%) | 70.5% | 72.2% | 68.5% | 68.6% | 66.6% | 68.2% | 66.4% | 67.0% |
| ▇███▃▁▃▃ | Cost of Funds (%) | 1.01% | 1.06% | 1.02% | 1.05% | 0.85% | 0.74% | 0.83% | 0.84% |
| ▁▁▂▁▁██▂ | NPA / Assets (%) | 0.01% | 0.01% | 0.10% | 0.04% | 0.00% | 0.47% | 0.48% | 0.08% |
| ▁▁▂▁▁██▂ | Net Charge-Off Ratio (%) | 0.03% | 0.02% | 0.26% | 0.10% | 0.00% | 0.99% | 1.08% | 0.18% |
| ▇▁▁▁▇██▇ | Tang. Book Value ($M) | $6 | $5 | $5 | $4 | $6 | $6 | $6 | $6 |
| ▁▁▃▅▆███ | Gross Loans ($M) | $52 | $52 | $55 | $58 | $60 | $61 | $61 | $62 |
| ▆▂██▂▁█▆ | Total Deposits ($M) | $126 | $122 | $129 | $128 | $122 | $120 | $129 | $126 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 6% |
| Agricultural | 7% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 2% |