Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.12% | +0.21 | 1.91% |
| Return on Equity (%) | ▲ | 15.97% | +0.56 | 15.41% |
| Net Interest Margin (%) | ▼ | 4.75% | -0.05 | 4.80% |
| Efficiency Ratio (%) | ▲ | 52.43% | -4.69 | 57.12% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.38 | $1 |
| Cost of Funds (%) | ▼ | 2.12% | +0.06 | 2.06% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $127 | +17.70 | $110 |
| Gross Loans ($M) | ▲ | $111 | +12.83 | $98 |
| Loan Growth YoY (%) | ▼ | 107.98% | -2.52 | 110.50% |
| Total Deposits ($M) | ▲ | $101 | +13.76 | $88 |
| Shareholders Equity ($M) | ▲ | $17 | +2.69 | $15 |
| Tang. Book Value ($M) | ▲ | $17 | +2.69 | $15 |
| Loan / Deposit Ratio (%) | ▼ | 107.98% | -2.52 | 110.50% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.64% | -0.13 | 0.77% |
| Allowance / Loans (%) | — | 1.28% | 0.02% | 1.26% |
| Net Charge-Off Ratio (%) | ▲ | 0.74% | -0.13 | 0.87% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▂▂▂▂▁▂ | Net Interest Margin (%) | 5.24% | 5.14% | 4.82% | 4.80% | 4.76% | 4.81% | 4.68% | 4.75% |
| ▂▃█▆▆▆▁█ | Return on Assets (%) | 1.51% | 1.60% | 2.03% | 1.91% | 1.91% | 1.84% | 1.34% | 2.12% |
| ██▂▃▃▄▇▁ | Efficiency Ratio (%) | 69.2% | 68.0% | 56.5% | 57.1% | 57.2% | 59.4% | 67.1% | 52.4% |
| ▂▁▅▄▆██▆ | Cost of Funds (%) | 1.98% | 1.91% | 2.10% | 2.06% | 2.14% | 2.23% | 2.22% | 2.12% |
| ▁▁▁▇█▇▆▆ | NPA / Assets (%) | 0.03% | 0.03% | 0.12% | 0.77% | 0.92% | 0.76% | 0.69% | 0.64% |
| ▁▁▁▇█▇▆▆ | Net Charge-Off Ratio (%) | 0.04% | 0.03% | 0.13% | 0.87% | 1.09% | 0.85% | 0.82% | 0.74% |
| ▁▄▄▆▆▇██ | Tang. Book Value ($M) | $9 | $13 | $13 | $15 | $15 | $16 | $16 | $17 |
| ▁▂▂▄▄▇▆█ | Gross Loans ($M) | $88 | $92 | $92 | $98 | $98 | $106 | $104 | $111 |
| ▁▂▂▃▅▇██ | Total Deposits ($M) | $80 | $85 | $85 | $88 | $93 | $96 | $101 | $101 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 4% |
| Agricultural | 8% |
| Consumer | 2% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 14% |