Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.70% | +0.35 | 1.36% |
| Return on Equity (%) | ▲ | 20.72% | +0.21 | 20.51% |
| Net Interest Margin (%) | ▲ | 3.81% | +0.24 | 3.56% |
| Efficiency Ratio (%) | ▲ | 53.29% | -9.34 | 62.63% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.56 | $1 |
| Cost of Funds (%) | ▲ | 1.15% | -0.04 | 1.19% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $363 | +5.25 | $358 |
| Gross Loans ($M) | ▲ | $257 | +17.27 | $240 |
| Loan Growth YoY (%) | ▲ | 78.59% | +6.78 | 71.81% |
| Total Deposits ($M) | ▼ | $325 | -6.41 | $331 |
| Shareholders Equity ($M) | ▲ | $30 | +7.29 | $23 |
| Tang. Book Value ($M) | ▲ | $30 | +7.29 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $35 | +7.14 | $28 |
| Loan / Deposit Ratio (%) | ▲ | 78.59% | +6.78 | 71.81% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.35% | -0.14 | 0.49% |
| Allowance / Loans (%) | — | 0.68% | -0.10% | 0.78% |
| Net Charge-Off Ratio (%) | ▲ | 0.31% | -0.22 | 0.53% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▃▃▅█ | Net Interest Margin (%) | 3.48% | 3.49% | 3.55% | 3.56% | 3.60% | 3.60% | 3.67% | 3.81% |
| ▁▁▅▅▅▅▇█ | Return on Assets (%) | 0.96% | 0.98% | 1.38% | 1.36% | 1.41% | 1.37% | 1.58% | 1.70% |
| ████▆▇▁▁ | Efficiency Ratio (%) | 61.8% | 61.7% | 61.9% | 62.6% | 60.3% | 61.1% | 54.1% | 53.3% |
| ▅█▅▂▃▄▂▁ | Cost of Funds (%) | 1.29% | 1.39% | 1.28% | 1.19% | 1.23% | 1.26% | 1.20% | 1.15% |
| ▃▃▅█▂▁▁▁ | NPA / Assets (%) | 0.40% | 0.40% | 0.42% | 0.49% | 0.37% | 0.36% | 0.36% | 0.35% |
| ▂▂▄█▂▁▁▁ | Net Charge-Off Ratio (%) | 0.36% | 0.36% | 0.42% | 0.53% | 0.35% | 0.33% | 0.33% | 0.31% |
| ▃▁▂▁▅▇██ | Tang. Book Value ($M) | $25 | $23 | $24 | $23 | $27 | $29 | $30 | $30 |
| ▅▃▁▁▃▆▇█ | Gross Loans ($M) | $249 | $245 | $241 | $240 | $244 | $252 | $254 | $257 |
| ▃▁▄█▃▁▅▅ | Total Deposits ($M) | $320 | $317 | $322 | $331 | $321 | $317 | $324 | $325 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 75% |
| C&I / Commercial | 8% |
| Agricultural | 14% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 13% |