Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.96% | +0.04 | 0.93% |
| Return on Equity (%) | ▼ | 10.12% | -0.78 | 10.90% |
| Net Interest Margin (%) | ▲ | 4.27% | +0.38 | 3.89% |
| Efficiency Ratio (%) | ▼ | 67.27% | +3.19 | 64.08% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.03 | $1 |
| Cost of Funds (%) | ▲ | 1.37% | -0.12 | 1.50% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $186 | +6.13 | $179 |
| Gross Loans ($M) | ▲ | $130 | +8.98 | $121 |
| Loan Growth YoY (%) | ▲ | 76.58% | +3.46 | 73.13% |
| Total Deposits ($M) | ▲ | $167 | +4.04 | $163 |
| Shareholders Equity ($M) | ▲ | $18 | +2.09 | $16 |
| Tang. Book Value ($M) | ▲ | $18 | +2.10 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +2.06 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 76.58% | +3.46 | 73.13% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.44% | +0.19 | 0.25% |
| Allowance / Loans (%) | — | 1.51% | 0.10% | 1.41% |
| Net Charge-Off Ratio (%) | ▼ | 0.62% | +0.25 | 0.37% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▄▅▆██ | Net Interest Margin (%) | 3.50% | 3.60% | 3.85% | 3.89% | 3.96% | 4.03% | 4.30% | 4.27% |
| ▁▁█▆▇█▆▇ | Return on Assets (%) | 0.80% | 0.82% | 1.00% | 0.93% | 0.97% | 1.00% | 0.93% | 0.96% |
| ██▅▄▂▁█▇ | Efficiency Ratio (%) | 68.6% | 69.1% | 65.1% | 64.1% | 61.6% | 59.5% | 67.9% | 67.3% |
| ▇█▆▅▆▄▁▁ | Cost of Funds (%) | 1.58% | 1.62% | 1.53% | 1.50% | 1.53% | 1.49% | 1.38% | 1.37% |
| ▁▁▁▄▆▄█▇ | NPA / Assets (%) | 0.07% | 0.06% | 0.01% | 0.25% | 0.41% | 0.27% | 0.57% | 0.44% |
| ▁▁▁▄▆▄█▇ | Net Charge-Off Ratio (%) | 0.10% | 0.09% | 0.02% | 0.37% | 0.59% | 0.38% | 0.79% | 0.62% |
| ▁▁▂▄▅▇▇█ | Tang. Book Value ($M) | $14 | $14 | $15 | $16 | $16 | $17 | $17 | $18 |
| ▁▂▂▃▆█▇▇ | Gross Loans ($M) | $115 | $118 | $118 | $121 | $127 | $132 | $129 | $130 |
| ▁▃▆▆▇█▄█ | Total Deposits ($M) | $151 | $157 | $162 | $163 | $164 | $166 | $159 | $167 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 19% |
| Agricultural | 1% |
| Consumer | 2% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 8% |