Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.79% | +0.80 | 0.98% |
| Return on Equity (%) | ▲ | 18.80% | +6.39 | 12.41% |
| Net Interest Margin (%) | ▲ | 4.31% | +0.64 | 3.67% |
| Efficiency Ratio (%) | ▲ | 58.67% | -14.30 | 72.97% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.15 | $0 |
| Cost of Funds (%) | ▲ | 1.07% | -0.04 | 1.11% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $156 | +6.88 | $149 |
| Gross Loans ($M) | ▲ | $83 | +8.04 | $75 |
| Loan Growth YoY (%) | ▲ | 61.03% | +4.00 | 57.03% |
| Total Deposits ($M) | ▲ | $134 | +4.66 | $129 |
| Shareholders Equity ($M) | ▲ | $15 | +2.37 | $12 |
| Tang. Book Value ($M) | ▲ | $14 | +2.37 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +2.00 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 61.03% | +4.00 | 57.03% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.11% | -0.68 | 0.79% |
| Allowance / Loans (%) | — | 1.47% | -0.12% | 1.59% |
| Net Charge-Off Ratio (%) | ▲ | 0.20% | -0.74 | 0.94% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▂▃█▆ | Net Interest Margin (%) | 3.47% | 3.54% | 3.58% | 3.67% | 3.74% | 3.80% | 4.71% | 4.31% |
| ▁▁▁▂▂▂█▇ | Return on Assets (%) | 0.89% | 0.81% | 0.84% | 0.98% | 1.06% | 1.11% | 2.09% | 1.79% |
| ███▇▆▆▁▂ | Efficiency Ratio (%) | 77.0% | 78.2% | 76.9% | 73.0% | 71.4% | 70.0% | 55.7% | 58.7% |
| ▁▅█▅▆▆▃▄ | Cost of Funds (%) | 1.01% | 1.10% | 1.17% | 1.11% | 1.12% | 1.12% | 1.06% | 1.07% |
| ▇▅▄█▅▁▂▁ | NPA / Assets (%) | 0.62% | 0.51% | 0.43% | 0.79% | 0.50% | 0.15% | 0.21% | 0.11% |
| ▂▂▁█▂▁▃▁ | Net Charge-Off Ratio (%) | 0.32% | 0.34% | 0.25% | 0.94% | 0.35% | 0.28% | 0.40% | 0.20% |
| ▄▁▃▃▇███ | Tang. Book Value ($M) | $12 | $10 | $11 | $11 | $13 | $13 | $14 | $14 |
| ▁▃▄▃▅█▇█ | Gross Loans ($M) | $70 | $73 | $76 | $75 | $78 | $82 | $81 | $83 |
| █▁█▂▂▅▅▇ | Total Deposits ($M) | $135 | $127 | $136 | $129 | $128 | $132 | $132 | $134 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 16% |
| Agricultural | 10% |
| Consumer | 5% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 4% |