Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.61% | +0.27 | 1.34% |
| Return on Equity (%) | ▲ | 14.94% | +0.51 | 14.43% |
| Net Interest Margin (%) | ▲ | 3.89% | +0.45 | 3.44% |
| Efficiency Ratio (%) | ▲ | 56.38% | -4.76 | 61.14% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $1 |
| Cost of Funds (%) | ▲ | 0.95% | -0.00 | 0.95% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $326 | +9.03 | $317 |
| Gross Loans ($M) | ▲ | $180 | +29.96 | $150 |
| Loan Growth YoY (%) | ▲ | 61.66% | +9.54 | 52.12% |
| Total Deposits ($M) | ▲ | $289 | +4.16 | $285 |
| Shareholders Equity ($M) | ▲ | $36 | +4.84 | $31 |
| Tang. Book Value ($M) | ▲ | $36 | +4.84 | $31 |
| TBV excl. AOCI ($M)** | ▲ | $42 | +3.91 | $38 |
| Loan / Deposit Ratio (%) | ▲ | 61.66% | +9.54 | 52.12% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.07% | +0.07 | 0.01% |
| Allowance / Loans (%) | — | 0.88% | -0.02% | 0.90% |
| Net Charge-Off Ratio (%) | ▼ | 0.13% | +0.12 | 0.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆▇█ | Net Interest Margin (%) | 2.99% | 3.07% | 3.32% | 3.44% | 3.54% | 3.58% | 3.73% | 3.89% |
| ▁▁▂▅▆▇▇█ | Return on Assets (%) | 0.96% | 1.03% | 1.12% | 1.34% | 1.39% | 1.46% | 1.47% | 1.61% |
| ██▇▄▄▃▁▁ | Efficiency Ratio (%) | 69.5% | 68.1% | 67.1% | 61.1% | 61.3% | 60.0% | 56.1% | 56.4% |
| ▂▃▁▇▇█▆▇ | Cost of Funds (%) | 0.85% | 0.88% | 0.83% | 0.95% | 0.95% | 0.98% | 0.93% | 0.95% |
| ▁▁▁▁▁▁▁█ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.07% |
| ▁▁▁▁▁▁▁█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.01% | 0.02% | 0.00% | 0.00% | 0.00% | 0.13% |
| ▂▁▂▄▆▇██ | Tang. Book Value ($M) | $29 | $27 | $29 | $31 | $34 | $35 | $35 | $36 |
| ▁▂▃▄▆███ | Gross Loans ($M) | $126 | $136 | $144 | $150 | $164 | $180 | $186 | $180 |
| ▁▁█▆▅▅█▇ | Total Deposits ($M) | $265 | $267 | $296 | $285 | $281 | $282 | $295 | $289 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 13% |
| Agricultural | 4% |
| Consumer | 2% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 36% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 10% |