Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.19% | +0.43 | 0.76% |
| Return on Equity (%) | ▲ | 10.40% | +3.51 | 6.89% |
| Net Interest Margin (%) | ▲ | 3.89% | +0.56 | 3.32% |
| Efficiency Ratio (%) | ▲ | 61.35% | -11.21 | 72.56% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $0 |
| Cost of Funds (%) | ▲ | 1.67% | -0.15 | 1.83% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $143 | +4.12 | $139 |
| Gross Loans ($M) | ▲ | $96 | +7.48 | $89 |
| Loan Growth YoY (%) | ▲ | 75.66% | +4.29 | 71.37% |
| Total Deposits ($M) | ▲ | $126 | +3.02 | $123 |
| Shareholders Equity ($M) | ▲ | $16 | +1.08 | $15 |
| Tang. Book Value ($M) | ▲ | $16 | +1.08 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +0.99 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 75.66% | +4.29 | 71.37% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.20% | -0.02 | 0.23% |
| Allowance / Loans (%) | — | 1.15% | -0.18% | 1.33% |
| Net Charge-Off Ratio (%) | ▲ | 0.27% | -0.08 | 0.35% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▁▂▃▅██ | Net Interest Margin (%) | 3.29% | 3.34% | 3.18% | 3.32% | 3.44% | 3.54% | 3.81% | 3.89% |
| ▄▃▁▂▄▅██ | Return on Assets (%) | 0.86% | 0.85% | 0.62% | 0.76% | 0.87% | 0.95% | 1.25% | 1.19% |
| ▄▅█▆▅▄▁▁ | Efficiency Ratio (%) | 68.6% | 69.5% | 77.6% | 72.6% | 69.1% | 66.8% | 60.0% | 61.4% |
| █▆▆▅▄▃▁▂ | Cost of Funds (%) | 2.01% | 1.90% | 1.91% | 1.83% | 1.76% | 1.72% | 1.59% | 1.67% |
| ▁▁▃▃█▇▁▂ | NPA / Assets (%) | 0.13% | 0.13% | 0.24% | 0.23% | 0.50% | 0.45% | 0.16% | 0.20% |
| ▁▁▃▃█▇▁▂ | Net Charge-Off Ratio (%) | 0.20% | 0.19% | 0.38% | 0.35% | 0.75% | 0.66% | 0.22% | 0.27% |
| ▁▁▂▄▆▇██ | Tang. Book Value ($M) | $15 | $15 | $15 | $15 | $16 | $16 | $16 | $16 |
| ▂▃▁▂▅▆▇█ | Gross Loans ($M) | $88 | $89 | $87 | $89 | $92 | $94 | $95 | $96 |
| ▁▂▆▆▅▅██ | Total Deposits ($M) | $113 | $116 | $123 | $123 | $121 | $122 | $128 | $126 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 83% |
| C&I / Commercial | 6% |
| Agricultural | 8% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 11% |