Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.42% | +0.62 | 0.81% |
| Return on Equity (%) | ▲ | 21.84% | +5.78 | 16.06% |
| Net Interest Margin (%) | ▲ | 2.99% | +0.47 | 2.51% |
| Efficiency Ratio (%) | ▲ | 52.28% | -12.15 | 64.43% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.16 | $0 |
| Cost of Funds (%) | ▲ | 2.17% | -0.12 | 2.29% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $104 | +8.09 | $96 |
| Gross Loans ($M) | ▲ | $73 | +12.22 | $61 |
| Loan Growth YoY (%) | ▲ | 80.26% | +5.50 | 74.76% |
| Total Deposits ($M) | ▲ | $91 | +9.63 | $81 |
| Shareholders Equity ($M) | ▲ | $7 | +1.96 | $5 |
| Tang. Book Value ($M) | ▲ | $7 | +1.96 | $5 |
| TBV excl. AOCI ($M)** | ▲ | $8 | +1.78 | $7 |
| Loan / Deposit Ratio (%) | ▲ | 80.26% | +5.50 | 74.76% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.01% | +0.01 | 0.00% |
| Allowance / Loans (%) | — | 0.81% | -0.12% | 0.93% |
| Net Charge-Off Ratio (%) | ▼ | 0.01% | +0.01 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▅██ | Net Interest Margin (%) | 2.04% | 2.13% | 2.44% | 2.51% | 2.53% | 2.63% | 2.91% | 2.99% |
| ▁▁▃▃▄▃██ | Return on Assets (%) | 0.46% | 0.58% | 0.75% | 0.81% | 0.87% | 0.78% | 1.37% | 1.42% |
| █▇▆▅▄▃▁▁ | Efficiency Ratio (%) | 73.0% | 70.2% | 66.2% | 64.4% | 62.1% | 58.1% | 52.3% | 52.3% |
| █▅▂▇█▅▁▄ | Cost of Funds (%) | 2.35% | 2.21% | 2.12% | 2.29% | 2.34% | 2.24% | 2.06% | 2.17% |
| ▅▁▁▁▇▁▂█ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% |
| ▆▁▁▁█▁▂█ | Net Charge-Off Ratio (%) | 0.01% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.01% |
| ▅▁▃▃▇▇██ | Tang. Book Value ($M) | $6 | $4 | $5 | $5 | $6 | $7 | $7 | $7 |
| ▁▂▃▄▆▇██ | Gross Loans ($M) | $54 | $58 | $60 | $61 | $67 | $71 | $73 | $73 |
| ▁▄▅▅▇███ | Total Deposits ($M) | $65 | $77 | $81 | $81 | $85 | $88 | $91 | $91 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 1% |
| Agricultural | 1% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 22% |