Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.51% | +0.38 | 1.13% |
| Return on Equity (%) | ▲ | 19.37% | +3.60 | 15.77% |
| Net Interest Margin (%) | ▲ | 3.34% | +0.46 | 2.88% |
| Efficiency Ratio (%) | ▲ | 54.69% | -5.15 | 59.85% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.35 | $1 |
| Cost of Funds (%) | ▲ | 1.54% | -0.22 | 1.76% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $306 | +10.13 | $296 |
| Gross Loans ($M) | ▲ | $205 | +30.66 | $175 |
| Loan Growth YoY (%) | ▲ | 72.92% | +9.55 | 63.37% |
| Total Deposits ($M) | ▲ | $279 | +5.92 | $274 |
| Shareholders Equity ($M) | ▲ | $25 | +3.94 | $21 |
| Tang. Book Value ($M) | ▲ | $25 | +3.94 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +3.53 | $24 |
| Loan / Deposit Ratio (%) | ▲ | 72.92% | +9.55 | 63.37% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.18 | 0.18% |
| Allowance / Loans (%) | — | 0.67% | 0.00% | 0.67% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.31 | 0.31% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▃▄▅▇█ | Net Interest Margin (%) | 2.64% | 2.74% | 2.85% | 2.88% | 2.96% | 3.03% | 3.24% | 3.34% |
| ▁▁▂▂▃▄▇█ | Return on Assets (%) | 1.02% | 1.08% | 1.10% | 1.13% | 1.18% | 1.23% | 1.44% | 1.51% |
| ██▆▅▅▄▁▁ | Efficiency Ratio (%) | 63.6% | 62.6% | 61.1% | 59.8% | 59.4% | 58.8% | 55.5% | 54.7% |
| ▅▄▂▆█▅▁▂ | Cost of Funds (%) | 1.68% | 1.64% | 1.55% | 1.76% | 1.88% | 1.71% | 1.47% | 1.54% |
| ▁▁▃█▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.05% | 0.18% | 0.00% | 0.00% | 0.01% | 0.00% |
| ▁▁▃█▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.08% | 0.31% | 0.00% | 0.00% | 0.02% | 0.00% |
| ▁▁▂▃▅▆██ | Tang. Book Value ($M) | $19 | $19 | $20 | $21 | $22 | $23 | $24 | $25 |
| ▁▁▂▃▄▅▆█ | Gross Loans ($M) | $161 | $167 | $169 | $175 | $179 | $187 | $191 | $205 |
| ▁▁▄▆▇▇█▇ | Total Deposits ($M) | $233 | $233 | $258 | $274 | $275 | $280 | $288 | $279 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 8% |
| Agricultural | 4% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 81% |
| Brokered / Other | 1% |