Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.54% | +0.40 | 1.15% |
| Return on Equity (%) | ▲ | 14.55% | +2.96 | 11.59% |
| Net Interest Margin (%) | ▲ | 4.49% | +0.35 | 4.15% |
| Efficiency Ratio (%) | ▲ | 64.17% | -3.74 | 67.91% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.22 | $0 |
| Cost of Funds (%) | ▼ | 1.90% | +0.11 | 1.79% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $180 | +10.73 | $170 |
| Gross Loans ($M) | ▲ | $137 | +11.85 | $125 |
| Loan Growth YoY (%) | ▲ | 92.16% | +5.13 | 87.03% |
| Total Deposits ($M) | ▲ | $146 | +4.89 | $141 |
| Shareholders Equity ($M) | ▲ | $19 | +1.80 | $17 |
| Tang. Book Value ($M) | ▲ | $19 | +1.80 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 92.16% | +5.13 | 87.03% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.77% | -0.91 | 1.68% |
| Allowance / Loans (%) | — | 1.44% | -0.06% | 1.50% |
| Net Charge-Off Ratio (%) | ▲ | 0.69% | -1.29 | 1.98% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▁▁▄▆▇█ | Net Interest Margin (%) | 4.22% | 4.21% | 4.17% | 4.15% | 4.30% | 4.38% | 4.44% | 4.49% |
| █▇▁▁▁▁▂▃ | Return on Assets (%) | 2.71% | 2.44% | 1.33% | 1.15% | 1.28% | 1.31% | 1.47% | 1.54% |
| ▁▂▇█▇▇▇▇ | Efficiency Ratio (%) | 49.3% | 52.5% | 64.0% | 67.9% | 65.3% | 65.0% | 64.9% | 64.2% |
| ██▄▁▆▆▂▃ | Cost of Funds (%) | 2.09% | 2.13% | 1.95% | 1.79% | 2.03% | 2.00% | 1.87% | 1.90% |
| ▆▁▄█▃▁▂▃ | NPA / Assets (%) | 1.24% | 0.42% | 1.02% | 1.68% | 0.77% | 0.51% | 0.69% | 0.77% |
| ▇▁▄█▂▁▂▃ | Net Charge-Off Ratio (%) | 1.57% | 0.23% | 1.06% | 1.98% | 0.64% | 0.33% | 0.57% | 0.69% |
| ▅▁▂▃▆▆▇█ | Tang. Book Value ($M) | $18 | $16 | $17 | $17 | $18 | $18 | $18 | $19 |
| ▃▁▁▂▂▂▄█ | Gross Loans ($M) | $126 | $123 | $121 | $125 | $123 | $124 | $128 | $137 |
| ▁▄▆▅▅▄▇█ | Total Deposits ($M) | $135 | $140 | $143 | $141 | $142 | $140 | $144 | $146 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 6% |
| Agricultural | 1% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 18% |