Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.15% | +0.33 | 0.82% |
| Return on Equity (%) | ▲ | 14.65% | +2.08 | 12.57% |
| Net Interest Margin (%) | ▲ | 3.22% | +0.28 | 2.94% |
| Efficiency Ratio (%) | ▲ | 62.82% | -7.32 | 70.13% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.14 | $0 |
| Cost of Funds (%) | ▲ | 1.68% | -0.11 | 1.79% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $159 | +11.24 | $147 |
| Gross Loans ($M) | ▲ | $90 | +0.30 | $90 |
| Loan Growth YoY (%) | ▼ | 65.58% | -4.63 | 70.20% |
| Total Deposits ($M) | ▲ | $136 | +9.26 | $126 |
| Shareholders Equity ($M) | ▲ | $13 | +2.04 | $10 |
| Tang. Book Value ($M) | ▲ | $12 | +2.08 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +2.36 | $13 |
| Loan / Deposit Ratio (%) | ▼ | 65.58% | -4.63 | 70.20% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.33% | +0.31 | 0.02% |
| Allowance / Loans (%) | — | 1.63% | 0.07% | 1.56% |
| Net Charge-Off Ratio (%) | ▼ | 0.58% | +0.55 | 0.03% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▁▁▂▃▄██ | Net Interest Margin (%) | 2.91% | 2.86% | 2.86% | 2.94% | 2.96% | 3.03% | 3.18% | 3.22% |
| ▁▁▂▂▂▁██ | Return on Assets (%) | 0.74% | 0.73% | 0.79% | 0.82% | 0.83% | 0.75% | 1.13% | 1.15% |
| ██▆▆▆▆▁▁ | Efficiency Ratio (%) | 73.6% | 73.6% | 70.7% | 70.1% | 70.0% | 69.9% | 62.9% | 62.8% |
| █▃███▅▁▁ | Cost of Funds (%) | 1.80% | 1.72% | 1.79% | 1.79% | 1.79% | 1.74% | 1.69% | 1.68% |
| ▂▂▁▁████ | NPA / Assets (%) | 0.06% | 0.08% | 0.00% | 0.02% | 0.34% | 0.32% | 0.34% | 0.33% |
| ▂▂▁▁████ | Net Charge-Off Ratio (%) | 0.09% | 0.13% | 0.00% | 0.03% | 0.57% | 0.52% | 0.56% | 0.58% |
| ▂▁▂▄▆▇██ | Tang. Book Value ($M) | $10 | $9 | $10 | $10 | $11 | $12 | $12 | $12 |
| ▅▁▄▂▄█▇▃ | Gross Loans ($M) | $92 | $89 | $91 | $90 | $91 | $94 | $93 | $90 |
| ▁▃▅▄▅▇▆█ | Total Deposits ($M) | $120 | $125 | $129 | $126 | $129 | $132 | $132 | $136 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 10% |
| Agricultural | 1% |
| Consumer | 1% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 5% |