Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.48% | -0.04 | 0.53% |
| Return on Equity (%) | ▼ | 4.25% | -0.69 | 4.94% |
| Net Interest Margin (%) | ▲ | 4.02% | +0.38 | 3.64% |
| Efficiency Ratio (%) | ▼ | 86.60% | +2.75 | 83.85% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▲ | 0.76% | -0.16 | 0.92% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $390 | +25.17 | $365 |
| Gross Loans ($M) | ▲ | $245 | +30.35 | $215 |
| Loan Growth YoY (%) | ▲ | 74.16% | +6.18 | 67.98% |
| Total Deposits ($M) | ▲ | $327 | +15.13 | $312 |
| Shareholders Equity ($M) | ▲ | $44 | +2.70 | $41 |
| Tang. Book Value ($M) | ▲ | $43 | +2.73 | $41 |
| TBV excl. AOCI ($M)** | ▲ | $48 | +2.44 | $46 |
| Loan / Deposit Ratio (%) | ▲ | 74.16% | +6.18 | 67.98% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.02 | 0.02% |
| Allowance / Loans (%) | — | 1.01% | -0.21% | 1.22% |
| Net Charge-Off Ratio (%) | ▲ | 0.01% | -0.03 | 0.04% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▃▄▇█ | Net Interest Margin (%) | 3.51% | 3.55% | 3.58% | 3.64% | 3.67% | 3.74% | 3.94% | 4.02% |
| ▆▅▄▆█▆▁▅ | Return on Assets (%) | 0.53% | 0.50% | 0.44% | 0.53% | 0.62% | 0.52% | 0.32% | 0.48% |
| ▂▂▄▂▁▃█▄ | Efficiency Ratio (%) | 83.3% | 84.2% | 86.5% | 83.9% | 82.1% | 85.3% | 91.3% | 86.6% |
| ██▃▆▄▁▁▁ | Cost of Funds (%) | 0.99% | 0.97% | 0.82% | 0.92% | 0.84% | 0.75% | 0.74% | 0.76% |
| █▃▃▃▅▁▁▁ | NPA / Assets (%) | 0.06% | 0.02% | 0.02% | 0.02% | 0.03% | 0.01% | 0.00% | 0.00% |
| █▃▃▃▅▁▁▁ | Net Charge-Off Ratio (%) | 0.10% | 0.03% | 0.04% | 0.04% | 0.06% | 0.01% | 0.01% | 0.01% |
| ▃▁▂▄▇█▇█ | Tang. Book Value ($M) | $40 | $38 | $40 | $41 | $42 | $43 | $43 | $43 |
| ▃▄▃▁▁▃▅█ | Gross Loans ($M) | $224 | $225 | $223 | $215 | $213 | $225 | $231 | $245 |
| ▅▂▇▂▃▁██ | Total Deposits ($M) | $319 | $310 | $324 | $312 | $312 | $307 | $326 | $327 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 4% |
| Agricultural | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 65% |
| Brokered / Other | 4% |