Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.35% | +0.38 | 0.97% |
| Return on Equity (%) | ▼ | 22.83% | -0.26 | 23.09% |
| Net Interest Margin (%) | ▲ | 3.84% | +0.31 | 3.53% |
| Efficiency Ratio (%) | ▲ | 67.55% | -6.36 | 73.91% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.15 | $0 |
| Cost of Funds (%) | ▲ | 1.30% | -0.22 | 1.52% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $140 | +15.07 | $125 |
| Gross Loans ($M) | ▲ | $66 | +2.06 | $64 |
| Loan Growth YoY (%) | ▼ | 50.15% | -2.62 | 52.77% |
| Total Deposits ($M) | ▲ | $130 | +10.40 | $119 |
| Shareholders Equity ($M) | ▲ | $8 | +2.75 | $5 |
| Tang. Book Value ($M) | ▲ | $8 | +2.75 | $5 |
| TBV excl. AOCI ($M)** | ▲ | $12 | +3.42 | $8 |
| Loan / Deposit Ratio (%) | ▼ | 50.15% | -2.62 | 52.77% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.24% | +0.12 | 0.12% |
| Allowance / Loans (%) | — | 0.99% | -0.08% | 1.07% |
| Net Charge-Off Ratio (%) | ▼ | 0.52% | +0.28 | 0.24% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 3.17% | 3.21% | 3.48% | 3.53% | 3.56% | 3.62% | 3.78% | 3.84% |
| ▂▁▅▄▄▂██ | Return on Assets (%) | 0.79% | 0.60% | 1.02% | 0.97% | 1.01% | 0.79% | 1.43% | 1.35% |
| ▆█▃▄▄▇▁▂ | Efficiency Ratio (%) | 77.8% | 83.0% | 71.6% | 73.9% | 73.4% | 79.4% | 65.0% | 67.5% |
| ▇▇▇█▅▃▁▂ | Cost of Funds (%) | 1.48% | 1.46% | 1.48% | 1.52% | 1.40% | 1.32% | 1.24% | 1.30% |
| ▁▁▁▁▅█▆▇ | NPA / Assets (%) | 0.13% | 0.12% | 0.11% | 0.12% | 0.21% | 0.28% | 0.23% | 0.24% |
| ▁▁▁▁▅█▆▇ | Net Charge-Off Ratio (%) | 0.26% | 0.26% | 0.23% | 0.24% | 0.42% | 0.60% | 0.50% | 0.52% |
| ▅▁▂▂▇███ | Tang. Book Value ($M) | $7 | $5 | $6 | $5 | $7 | $8 | $8 | $8 |
| ▁▁▄▆▇▇▇█ | Gross Loans ($M) | $60 | $60 | $62 | $64 | $65 | $64 | $65 | $66 |
| ▁▃▂▂▅▇██ | Total Deposits ($M) | $117 | $121 | $120 | $119 | $124 | $129 | $131 | $130 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 64% |
| C&I / Commercial | 18% |
| Agricultural | 4% |
| Consumer | 12% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 35% |
| Interest-Bearing (core) | 52% |
| Brokered / Other | 13% |