Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.21% | +0.36 | 1.84% |
| Return on Equity (%) | ▲ | 16.72% | +1.94 | 14.78% |
| Net Interest Margin (%) | ▲ | 4.02% | +0.59 | 3.43% |
| Efficiency Ratio (%) | ▲ | 35.96% | -8.95 | 44.92% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.42 | $1 |
| Cost of Funds (%) | ▲ | 1.73% | -0.06 | 1.79% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $188 | +14.92 | $173 |
| Gross Loans ($M) | ▲ | $128 | +9.79 | $118 |
| Loan Growth YoY (%) | ▲ | 80.89% | +2.77 | 78.12% |
| Total Deposits ($M) | ▲ | $157 | +7.05 | $149 |
| Shareholders Equity ($M) | ▲ | $25 | +3.06 | $22 |
| Tang. Book Value ($M) | ▲ | $25 | +3.06 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $27 | +3.45 | $24 |
| Loan / Deposit Ratio (%) | ▲ | 80.89% | +2.77 | 78.12% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.11% | -0.41 | 0.52% |
| Allowance / Loans (%) | — | 1.22% | -0.15% | 1.37% |
| Net Charge-Off Ratio (%) | ▲ | 0.16% | -0.59 | 0.76% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▁▂▃▇█ | Net Interest Margin (%) | 3.44% | 3.41% | 3.39% | 3.43% | 3.51% | 3.58% | 3.93% | 4.02% |
| ▁▁▂▃▃▄██ | Return on Assets (%) | 1.76% | 1.70% | 1.82% | 1.84% | 1.88% | 1.93% | 2.26% | 2.21% |
| ██▅▆▆▅▂▁ | Efficiency Ratio (%) | 48.3% | 49.3% | 44.2% | 44.9% | 45.2% | 43.7% | 38.1% | 36.0% |
| █▇▂▂▃▁▄▁ | Cost of Funds (%) | 2.01% | 1.96% | 1.79% | 1.79% | 1.82% | 1.77% | 1.85% | 1.73% |
| ▄▆█▇▄▁▁▁ | NPA / Assets (%) | 0.32% | 0.45% | 0.60% | 0.52% | 0.32% | 0.17% | 0.17% | 0.11% |
| ▄▆█▇▄▁▁▁ | Net Charge-Off Ratio (%) | 0.44% | 0.63% | 0.88% | 0.76% | 0.47% | 0.25% | 0.25% | 0.16% |
| ▂▁▂▄▆▆▇█ | Tang. Book Value ($M) | $21 | $20 | $21 | $22 | $24 | $24 | $24 | $25 |
| ▂▆▁▂▁█▆█ | Gross Loans ($M) | $118 | $124 | $115 | $118 | $117 | $127 | $125 | $128 |
| ▁▃▃▄▃█▅▇ | Total Deposits ($M) | $140 | $146 | $147 | $149 | $147 | $159 | $151 | $157 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 63% |
| C&I / Commercial | 15% |
| Agricultural | 18% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 6% |