Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.77% | +0.89 | 0.88% |
| Return on Equity (%) | ▲ | 19.52% | +9.24 | 10.28% |
| Net Interest Margin (%) | ▲ | 4.91% | +0.36 | 4.55% |
| Efficiency Ratio (%) | ▲ | 62.25% | -18.95 | 81.20% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.30 | $0 |
| Cost of Funds (%) | ▲ | 1.62% | -0.03 | 1.65% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $115 | +11.19 | $104 |
| Gross Loans ($M) | ▲ | $98 | +10.61 | $87 |
| Loan Growth YoY (%) | ▲ | 114.05% | +6.04 | 108.01% |
| Total Deposits ($M) | ▲ | $85 | +5.06 | $80 |
| Shareholders Equity ($M) | ▲ | $10 | +1.25 | $9 |
| Tang. Book Value ($M) | ▲ | $10 | +1.28 | $9 |
| Loan / Deposit Ratio (%) | ▲ | 114.05% | +6.04 | 108.01% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.24% | -0.27 | 0.51% |
| Allowance / Loans (%) | — | 0.83% | -0.10% | 0.92% |
| Net Charge-Off Ratio (%) | ▲ | 0.28% | -0.32 | 0.61% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.44% | -0.15 | 12.59% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▅▆██ | Net Interest Margin (%) | 4.19% | 4.18% | 4.45% | 4.55% | 4.62% | 4.69% | 4.91% | 4.91% |
| ▁▁▄▃▄▃██ | Return on Assets (%) | 0.50% | 0.53% | 1.05% | 0.88% | 1.05% | 1.03% | 1.91% | 1.77% |
| ██▆▇▆▆▁▁ | Efficiency Ratio (%) | 88.2% | 87.8% | 77.5% | 81.2% | 77.6% | 78.3% | 58.7% | 62.2% |
| █▇▅▃▅▂▁▃ | Cost of Funds (%) | 1.90% | 1.80% | 1.73% | 1.65% | 1.71% | 1.58% | 1.51% | 1.62% |
| ▂▆▁▇█▅▃▂ | NPA / Assets (%) | 0.25% | 0.45% | 0.17% | 0.51% | 0.56% | 0.39% | 0.28% | 0.24% |
| ▂▇▁▇█▅▃▂ | Net Charge-Off Ratio (%) | 0.31% | 0.56% | 0.21% | 0.61% | 0.67% | 0.46% | 0.33% | 0.28% |
| ▁▁▂▃▄▆▇█ | Tang. Book Value ($M) | $8 | $8 | $8 | $9 | $9 | $9 | $10 | $10 |
| ▁▂▃▄▄▄▇█ | Gross Loans ($M) | $79 | $82 | $84 | $87 | $86 | $89 | $94 | $98 |
| ▁▃▅▄▃▂▆█ | Total Deposits ($M) | $75 | $78 | $81 | $80 | $79 | $77 | $83 | $85 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 6% |
| Agricultural | 14% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 5% |