Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.67% | +0.27 | 0.40% |
| Return on Equity (%) | ▲ | 6.41% | +2.00 | 4.41% |
| Net Interest Margin (%) | ▲ | 2.25% | +0.28 | 1.97% |
| Efficiency Ratio (%) | ▲ | 61.27% | -12.19 | 73.46% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.10 | $0 |
| Cost of Funds (%) | ▲ | 2.30% | -0.27 | 2.56% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $151 | +14.99 | $136 |
| Gross Loans ($M) | ▲ | $69 | +5.13 | $63 |
| Loan Growth YoY (%) | ▼ | 52.11% | -0.79 | 52.89% |
| Total Deposits ($M) | ▲ | $129 | +11.69 | $118 |
| Shareholders Equity ($M) | ▲ | $16 | +4.10 | $12 |
| Tang. Book Value ($M) | ▲ | $16 | +4.10 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +4.14 | $15 |
| Loan / Deposit Ratio (%) | ▼ | 52.11% | -0.79 | 52.89% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.02% | -0.08 | 0.10% |
| Allowance / Loans (%) | — | 1.80% | -0.20% | 2.01% |
| Net Charge-Off Ratio (%) | ▲ | 0.05% | -0.17 | 0.22% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▆██ | Net Interest Margin (%) | 1.70% | 1.73% | 1.93% | 1.97% | 2.03% | 2.06% | 2.25% | 2.25% |
| ▁▁▃▃▄▄██ | Return on Assets (%) | 0.27% | 0.23% | 0.36% | 0.40% | 0.46% | 0.45% | 0.70% | 0.67% |
| ██▆▅▄▅▁▁ | Efficiency Ratio (%) | 82.4% | 84.0% | 75.3% | 73.5% | 70.5% | 73.5% | 58.6% | 61.3% |
| █▇▆▅▃▃▁▁ | Cost of Funds (%) | 2.75% | 2.67% | 2.59% | 2.56% | 2.44% | 2.42% | 2.29% | 2.30% |
| ▄▁▁▃█▁▂▁ | NPA / Assets (%) | 0.14% | 0.02% | 0.02% | 0.10% | 0.33% | 0.05% | 0.08% | 0.02% |
| ▄▁▁▃█▁▂▁ | Net Charge-Off Ratio (%) | 0.32% | 0.04% | 0.04% | 0.22% | 0.69% | 0.11% | 0.18% | 0.05% |
| ▆▂▁▁▄▇▅█ | Tang. Book Value ($M) | $15 | $13 | $12 | $12 | $14 | $15 | $15 | $16 |
| ▁▂▁▂▇▇▆█ | Gross Loans ($M) | $63 | $64 | $63 | $63 | $67 | $68 | $66 | $69 |
| ▁▁▂▂▁▅▇█ | Total Deposits ($M) | $116 | $116 | $119 | $118 | $117 | $124 | $127 | $129 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 7% |
| Agricultural | 23% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 11% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 20% |