Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.17% | +0.40 | 0.77% |
| Return on Equity (%) | ▲ | 11.07% | +3.03 | 8.04% |
| Net Interest Margin (%) | ▲ | 3.35% | +0.37 | 2.98% |
| Efficiency Ratio (%) | ▲ | 54.58% | -9.92 | 64.50% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.17 | $0 |
| Cost of Funds (%) | ▲ | 0.99% | -0.03 | 1.03% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $118 | +4.66 | $114 |
| Gross Loans ($M) | ▲ | $54 | +2.32 | $52 |
| Loan Growth YoY (%) | ▲ | 50.79% | +0.51 | 50.29% |
| Total Deposits ($M) | ▲ | $105 | +3.45 | $102 |
| Shareholders Equity ($M) | ▲ | $13 | +1.37 | $11 |
| Tang. Book Value ($M) | ▲ | $12 | +1.37 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +1.66 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 50.79% | +0.51 | 50.29% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.01% | +0.87 | 0.14% |
| Allowance / Loans (%) | — | 1.32% | 0.04% | 1.29% |
| Net Charge-Off Ratio (%) | ▼ | 2.21% | +1.90 | 0.32% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▅▆██ | Net Interest Margin (%) | 2.55% | 2.64% | 2.95% | 2.98% | 3.04% | 3.10% | 3.27% | 3.35% |
| ▁▂▂▃▄▅▆█ | Return on Assets (%) | 0.62% | 0.71% | 0.72% | 0.77% | 0.88% | 0.95% | 1.02% | 1.17% |
| █▇█▆▄▃▃▁ | Efficiency Ratio (%) | 70.2% | 67.2% | 69.4% | 64.5% | 61.2% | 58.5% | 58.9% | 54.6% |
| ▁▄▁▃▂█▃▁ | Cost of Funds (%) | 1.00% | 1.04% | 1.00% | 1.03% | 1.01% | 1.08% | 1.02% | 0.99% |
| ▁▁▁▁▂▂▁█ | NPA / Assets (%) | 0.18% | 0.18% | 0.23% | 0.14% | 0.26% | 0.25% | 0.21% | 1.01% |
| ▁▁▁▁▂▂▁█ | Net Charge-Off Ratio (%) | 0.43% | 0.41% | 0.50% | 0.32% | 0.57% | 0.56% | 0.47% | 2.21% |
| ▂▁▂▄▆█▇█ | Tang. Book Value ($M) | $10 | $9 | $10 | $11 | $11 | $12 | $11 | $12 |
| ▁▃▆▅▆▇██ | Gross Loans ($M) | $48 | $50 | $52 | $52 | $53 | $53 | $54 | $54 |
| ▃▁▄▄▂▆██ | Total Deposits ($M) | $101 | $99 | $102 | $102 | $100 | $103 | $105 | $105 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 65% |
| C&I / Commercial | 17% |
| Agricultural | 6% |
| Consumer | 12% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 80% |
| Brokered / Other | 2% |