Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.22% | +0.11 | 1.11% |
| Return on Equity (%) | ▼ | 14.66% | -0.68 | 15.34% |
| Net Interest Margin (%) | ▲ | 3.87% | +0.17 | 3.70% |
| Efficiency Ratio (%) | ▲ | 67.30% | -1.58 | 68.88% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.05 | $0 |
| Cost of Funds (%) | ▲ | 1.27% | -0.16 | 1.43% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $123 | +0.95 | $122 |
| Gross Loans ($M) | ▲ | $87 | +3.17 | $84 |
| Loan Growth YoY (%) | ▲ | 79.45% | +1.12 | 78.32% |
| Total Deposits ($M) | ▲ | $108 | +2.66 | $106 |
| Shareholders Equity ($M) | ▲ | $10 | +1.29 | $9 |
| Tang. Book Value ($M) | ▲ | $10 | +1.29 | $8 |
| TBV excl. AOCI ($M)** | ▲ | $11 | +1.20 | $10 |
| Loan / Deposit Ratio (%) | ▲ | 79.45% | +1.12 | 78.32% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.16 | 0.16% |
| Allowance / Loans (%) | — | 0.86% | -0.19% | 1.05% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.23 | 0.23% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.52% | +0.03 | 12.49% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▅▆▇▇█ | Net Interest Margin (%) | 3.52% | 3.61% | 3.70% | 3.70% | 3.75% | 3.80% | 3.80% | 3.87% |
| ▁▃▄▆▅▅▆█ | Return on Assets (%) | 0.86% | 0.96% | 1.01% | 1.11% | 1.07% | 1.08% | 1.12% | 1.22% |
| █▆▅▂▄▄▄▁ | Efficiency Ratio (%) | 74.5% | 72.0% | 70.9% | 68.9% | 70.0% | 70.0% | 70.2% | 67.3% |
| ▇█▇▆█▅▁▁ | Cost of Funds (%) | 1.43% | 1.46% | 1.43% | 1.43% | 1.49% | 1.39% | 1.28% | 1.27% |
| ▆▂▂███▂▁ | NPA / Assets (%) | 0.10% | 0.04% | 0.04% | 0.16% | 0.15% | 0.14% | 0.03% | 0.00% |
| ▂▂▂██▇▂▁ | Net Charge-Off Ratio (%) | 0.06% | 0.05% | 0.05% | 0.23% | 0.21% | 0.20% | 0.05% | 0.00% |
| ▂▁▂▄▆▇▇█ | Tang. Book Value ($M) | $8 | $8 | $8 | $8 | $9 | $9 | $9 | $10 |
| ▄▂▄▁▆▆▂█ | Gross Loans ($M) | $85 | $84 | $85 | $84 | $86 | $86 | $84 | $87 |
| ▃▂▅▄▃▁█▇ | Total Deposits ($M) | $104 | $104 | $106 | $106 | $105 | $102 | $110 | $108 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 71% |
| C&I / Commercial | 19% |
| Agricultural | 5% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 10% |