Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.31% | +0.35 | 0.96% |
| Return on Equity (%) | ▲ | 9.82% | +1.87 | 7.95% |
| Net Interest Margin (%) | ▲ | 3.46% | +0.70 | 2.75% |
| Efficiency Ratio (%) | ▲ | 46.44% | -5.27 | 51.70% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.33 | $1 |
| Cost of Funds (%) | ▲ | 1.85% | -0.06 | 1.91% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $225 | -0.73 | $226 |
| Gross Loans ($M) | ▲ | $117 | +3.17 | $114 |
| Loan Growth YoY (%) | ▲ | 61.77% | +2.48 | 59.30% |
| Total Deposits ($M) | ▼ | $186 | -2.31 | $188 |
| Shareholders Equity ($M) | ▲ | $30 | +2.25 | $28 |
| Tang. Book Value ($M) | ▲ | $30 | +2.25 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $35 | +1.94 | $33 |
| Loan / Deposit Ratio (%) | ▲ | 61.77% | +2.48 | 59.30% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.17% | -0.18 | 0.35% |
| Allowance / Loans (%) | — | 2.20% | -0.11% | 2.31% |
| Net Charge-Off Ratio (%) | ▲ | 0.34% | -0.36 | 0.70% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▃▄▅▇█ | Net Interest Margin (%) | 2.39% | 2.46% | 2.73% | 2.75% | 2.85% | 2.97% | 3.30% | 3.46% |
| ▁▁▃▄▅▅▆█ | Return on Assets (%) | 0.70% | 0.71% | 0.89% | 0.96% | 1.02% | 1.05% | 1.13% | 1.31% |
| ██▄▄▄▄▂▁ | Efficiency Ratio (%) | 58.8% | 59.3% | 52.0% | 51.7% | 51.9% | 52.9% | 48.6% | 46.4% |
| ██▃▂▄▃▁▁ | Cost of Funds (%) | 2.13% | 2.12% | 1.92% | 1.91% | 1.96% | 1.92% | 1.86% | 1.85% |
| █▃▅▅▁▁▅▁ | NPA / Assets (%) | 0.47% | 0.28% | 0.32% | 0.35% | 0.17% | 0.17% | 0.32% | 0.17% |
| █▃▄▅▁▁▄▁ | Net Charge-Off Ratio (%) | 0.99% | 0.54% | 0.64% | 0.70% | 0.33% | 0.31% | 0.61% | 0.34% |
| ▃▁▃▄█▇▇█ | Tang. Book Value ($M) | $27 | $26 | $27 | $28 | $30 | $29 | $30 | $30 |
| ▁▅▃▄▇██▇ | Gross Loans ($M) | $109 | $115 | $112 | $114 | $117 | $119 | $118 | $117 |
| █▅▆▅▃▁▂▄ | Total Deposits ($M) | $193 | $188 | $190 | $188 | $185 | $181 | $183 | $186 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 16% |
| Agricultural | 6% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 16% |