Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.24% | +0.37 | 0.87% |
| Return on Equity (%) | ▲ | 15.55% | +4.34 | 11.21% |
| Net Interest Margin (%) | ▲ | 3.59% | +0.36 | 3.23% |
| Efficiency Ratio (%) | ▲ | 52.56% | -8.56 | 61.12% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.58 | $1 |
| Cost of Funds (%) | ▲ | 2.43% | -0.15 | 2.58% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $352 | +49.40 | $303 |
| Gross Loans ($M) | ▲ | $253 | +29.16 | $224 |
| Loan Growth YoY (%) | ▼ | 83.31% | -3.29 | 86.60% |
| Total Deposits ($M) | ▲ | $301 | +44.50 | $256 |
| Shareholders Equity ($M) | ▲ | $28 | +4.50 | $23 |
| Tang. Book Value ($M) | ▲ | $28 | +4.50 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $31 | +5.87 | $25 |
| Loan / Deposit Ratio (%) | ▼ | 83.31% | -3.29 | 86.60% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.07% | +0.01 | 0.05% |
| Allowance / Loans (%) | — | 1.06% | 0.09% | 0.97% |
| Net Charge-Off Ratio (%) | ▼ | 0.10% | +0.02 | 0.07% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 10.90% | +0.22 | 10.68% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▄▆██ | Net Interest Margin (%) | 2.96% | 3.01% | 3.21% | 3.23% | 3.29% | 3.38% | 3.64% | 3.59% |
| ▁▁▃▃▃▅██ | Return on Assets (%) | 0.76% | 0.75% | 0.90% | 0.87% | 0.93% | 1.02% | 1.20% | 1.24% |
| ██▅▆▅▃▂▁ | Efficiency Ratio (%) | 64.9% | 66.0% | 61.0% | 61.1% | 59.4% | 57.2% | 54.6% | 52.6% |
| █▄▃▃▃▂▁▁ | Cost of Funds (%) | 3.26% | 2.75% | 2.57% | 2.58% | 2.63% | 2.45% | 2.32% | 2.43% |
| ▁▁▄▃█▅▆▅ | NPA / Assets (%) | 0.03% | 0.03% | 0.06% | 0.05% | 0.10% | 0.07% | 0.08% | 0.07% |
| ▂▂▃▆▁███ | Net Charge-Off Ratio (%) | 0.04% | 0.04% | 0.05% | 0.07% | 0.03% | 0.10% | 0.10% | 0.10% |
| ▁▁▁▃▆▇▇█ | Tang. Book Value ($M) | $21 | $21 | $22 | $23 | $26 | $26 | $27 | $28 |
| ▁▂▃▄▅▇██ | Gross Loans ($M) | $201 | $211 | $217 | $224 | $232 | $246 | $247 | $253 |
| ▁▂▃▅▅▇▆█ | Total Deposits ($M) | $208 | $224 | $233 | $256 | $265 | $279 | $271 | $301 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 12% |
| Agricultural | 15% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 13% |