Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.70% | +0.32 | 0.38% |
| Return on Equity (%) | ▲ | 8.20% | +2.94 | 5.26% |
| Net Interest Margin (%) | ▲ | 4.32% | +0.33 | 3.99% |
| Efficiency Ratio (%) | ▲ | 84.66% | -4.16 | 88.82% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.05 | $0 |
| Cost of Funds (%) | ▲ | 0.93% | -0.03 | 0.96% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $98 | -3.04 | $101 |
| Gross Loans ($M) | ▼ | $63 | -0.98 | $64 |
| Loan Growth YoY (%) | ▼ | 73.99% | -0.70 | 74.69% |
| Total Deposits ($M) | ▼ | $85 | -0.52 | $85 |
| Shareholders Equity ($M) | ▲ | $9 | +1.70 | $7 |
| Tang. Book Value ($M) | ▲ | $9 | +1.72 | $7 |
| TBV excl. AOCI ($M)** | ▲ | $10 | +1.63 | $8 |
| Loan / Deposit Ratio (%) | ▼ | 73.99% | -0.70 | 74.69% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.05 | 0.05% |
| Allowance / Loans (%) | — | 1.07% | 0.01% | 1.05% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.08 | 0.08% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▆▇█ | Net Interest Margin (%) | 3.68% | 3.72% | 3.92% | 3.99% | 4.06% | 4.14% | 4.16% | 4.32% |
| ▆▅▁▃▅███ | Return on Assets (%) | 0.53% | 0.46% | 0.22% | 0.38% | 0.48% | 0.64% | 0.67% | 0.70% |
| ▅▇█▇▅▁▁▁ | Efficiency Ratio (%) | 87.5% | 89.1% | 90.0% | 88.8% | 87.3% | 84.3% | 84.8% | 84.7% |
| █▃▁▃▃▂█▁ | Cost of Funds (%) | 1.01% | 0.96% | 0.94% | 0.96% | 0.96% | 0.95% | 1.01% | 0.93% |
| ▁▇▇▇█▁▁▁ | NPA / Assets (%) | 0.00% | 0.05% | 0.05% | 0.05% | 0.06% | 0.00% | 0.00% | 0.00% |
| ▁███▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.08% | 0.08% | 0.08% | 0.01% | 0.00% | 0.00% | 0.00% |
| ▅▂▁▁▅███ | Tang. Book Value ($M) | $8 | $7 | $7 | $7 | $8 | $8 | $8 | $9 |
| ▁▃▁▆█▅▃▅ | Gross Loans ($M) | $61 | $62 | $60 | $64 | $66 | $64 | $61 | $63 |
| ▂▅▂▃▃█▁▂ | Total Deposits ($M) | $84 | $86 | $84 | $85 | $85 | $88 | $83 | $85 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 5% |
| Agricultural | 1% |
| Consumer | 2% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 38% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 6% |