Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.06% | +0.43 | 1.63% |
| Return on Equity (%) | ▲ | 25.12% | +4.01 | 21.11% |
| Net Interest Margin (%) | ▲ | 4.74% | +0.16 | 4.58% |
| Efficiency Ratio (%) | ▲ | 58.45% | -7.89 | 66.34% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.22 | $1 |
| Cost of Funds (%) | ▲ | 1.13% | -0.06 | 1.18% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $134 | +9.90 | $124 |
| Gross Loans ($M) | ▲ | $106 | +20.89 | $85 |
| Loan Growth YoY (%) | ▲ | 86.73% | +13.13 | 73.60% |
| Total Deposits ($M) | ▲ | $121 | +6.79 | $114 |
| Shareholders Equity ($M) | ▲ | $11 | +1.50 | $10 |
| Tang. Book Value ($M) | ▲ | $10 | +1.50 | $9 |
| TBV excl. AOCI ($M)** | ▲ | $11 | +1.18 | $10 |
| Loan / Deposit Ratio (%) | ▲ | 86.73% | +13.13 | 73.60% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.21% | -0.22% | 1.43% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.49% | -1.45 | 13.94% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▂▅▅▆▆█ | Net Interest Margin (%) | 4.36% | 4.44% | 4.45% | 4.58% | 4.59% | 4.61% | 4.64% | 4.74% |
| ▁▁▃▃▅▆██ | Return on Assets (%) | 1.46% | 1.53% | 1.62% | 1.63% | 1.83% | 1.89% | 1.99% | 2.06% |
| ██▆▆▄▃▁▁ | Efficiency Ratio (%) | 69.0% | 68.3% | 66.0% | 66.3% | 62.6% | 61.7% | 59.0% | 58.5% |
| ▁▁▆█▆█▅▅ | Cost of Funds (%) | 1.05% | 1.06% | 1.14% | 1.18% | 1.14% | 1.18% | 1.13% | 1.13% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▂▁▁▂▆▇▆█ | Tang. Book Value ($M) | $9 | $9 | $9 | $9 | $10 | $10 | $10 | $10 |
| ▁▂▁▁▃▆▆█ | Gross Loans ($M) | $82 | $86 | $85 | $85 | $89 | $98 | $100 | $106 |
| ▃▁▄▃▅▄█▇ | Total Deposits ($M) | $114 | $108 | $115 | $114 | $117 | $115 | $124 | $121 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 10% |
| Agricultural | 2% |
| Consumer | 5% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 34% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 12% |