Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.36% | +0.27 | 1.09% |
| Return on Equity (%) | ▲ | 12.69% | +1.18 | 11.51% |
| Net Interest Margin (%) | ▲ | 3.80% | +0.43 | 3.38% |
| Efficiency Ratio (%) | ▲ | 65.45% | -3.85 | 69.31% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.01 | $0 |
| Cost of Funds (%) | ▲ | 1.08% | -0.11 | 1.19% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $107 | +2.92 | $104 |
| Gross Loans ($M) | ▲ | $53 | +2.08 | $51 |
| Loan Growth YoY (%) | ▲ | 55.94% | +0.60 | 55.34% |
| Total Deposits ($M) | ▲ | $94 | +2.75 | $91 |
| Shareholders Equity ($M) | ▲ | $12 | +1.05 | $11 |
| Tang. Book Value ($M) | ▲ | $12 | +1.05 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +1.23 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 55.94% | +0.60 | 55.34% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.04% | -0.09 | 0.12% |
| Allowance / Loans (%) | — | 1.06% | -0.05% | 1.11% |
| Net Charge-Off Ratio (%) | ▲ | 0.08% | -0.18 | 0.25% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▃▅██ | Net Interest Margin (%) | 3.00% | 3.01% | 3.24% | 3.38% | 3.24% | 3.50% | 3.81% | 3.80% |
| ▁▁▁▃▁▅█▇ | Return on Assets (%) | 0.95% | 0.90% | 0.95% | 1.09% | 0.94% | 1.22% | 1.47% | 1.36% |
| ▇▆█▆█▄▁▃ | Efficiency Ratio (%) | 70.5% | 70.1% | 71.8% | 69.3% | 72.8% | 66.8% | 62.4% | 65.5% |
| █▂▄▄▃▁▃▂ | Cost of Funds (%) | 1.40% | 1.08% | 1.15% | 1.19% | 1.12% | 0.99% | 1.11% | 1.08% |
| ▁▁▁▁█▁▁▁ | NPA / Assets (%) | 0.05% | 0.04% | 0.27% | 0.12% | 3.11% | 0.13% | 0.05% | 0.04% |
| ▁▁▁▁█▁▁▁ | Net Charge-Off Ratio (%) | 0.10% | 0.08% | 0.59% | 0.25% | 6.01% | 0.27% | 0.11% | 0.08% |
| ▃▁▃▅▆███ | Tang. Book Value ($M) | $10 | $10 | $10 | $11 | $11 | $12 | $12 | $12 |
| ▁█▁▃██▅█ | Gross Loans ($M) | $50 | $53 | $50 | $51 | $53 | $53 | $52 | $53 |
| ▁▇▆▂▁█▇▄ | Total Deposits ($M) | $90 | $98 | $97 | $91 | $89 | $100 | $98 | $94 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 13% |
| Agricultural | 16% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 16% |