Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.34% | +0.58 | 0.76% |
| Return on Equity (%) | ▲ | 13.58% | +4.83 | 8.75% |
| Net Interest Margin (%) | ▲ | 3.80% | +0.49 | 3.31% |
| Efficiency Ratio (%) | ▲ | 57.94% | -14.10 | 72.04% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.20 | $0 |
| Cost of Funds (%) | ▲ | 1.74% | -0.22 | 1.96% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $118 | +4.64 | $113 |
| Gross Loans ($M) | ▲ | $78 | +5.19 | $73 |
| Loan Growth YoY (%) | ▲ | 79.62% | +2.03 | 77.59% |
| Total Deposits ($M) | ▲ | $97 | +4.21 | $93 |
| Shareholders Equity ($M) | ▲ | $12 | +1.98 | $10 |
| Tang. Book Value ($M) | ▲ | $12 | +1.98 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +1.96 | $12 |
| Loan / Deposit Ratio (%) | ▲ | 79.62% | +2.03 | 77.59% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.09% | -0.12 | 0.21% |
| Allowance / Loans (%) | — | 0.89% | -0.15% | 1.03% |
| Net Charge-Off Ratio (%) | ▲ | 0.14% | -0.19 | 0.33% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▄▅██ | Net Interest Margin (%) | 3.00% | 3.09% | 3.21% | 3.31% | 3.40% | 3.45% | 3.71% | 3.80% |
| ▁▁▃▃▄▅██ | Return on Assets (%) | 0.37% | 0.48% | 0.72% | 0.76% | 0.79% | 0.89% | 1.41% | 1.34% |
| ██▆▅▄▃▁▁ | Efficiency Ratio (%) | 82.3% | 80.5% | 74.3% | 72.0% | 67.8% | 66.1% | 58.0% | 57.9% |
| ▆▅█▇▆▁▂▁ | Cost of Funds (%) | 1.93% | 1.89% | 2.01% | 1.96% | 1.91% | 1.71% | 1.76% | 1.74% |
| ▁▂▁█▇▄▄▄ | NPA / Assets (%) | 0.00% | 0.03% | 0.00% | 0.21% | 0.16% | 0.10% | 0.09% | 0.09% |
| ▁▂▁█▇▅▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.05% | 0.00% | 0.33% | 0.25% | 0.17% | 0.15% | 0.14% |
| ▂▁▂▃▅▆▇█ | Tang. Book Value ($M) | $10 | $9 | $10 | $10 | $11 | $12 | $12 | $12 |
| ▂▂▁▃▄▇▅█ | Gross Loans ($M) | $72 | $72 | $70 | $73 | $74 | $77 | $75 | $78 |
| ▁▃▂▁▁█▅▄ | Total Deposits ($M) | $92 | $96 | $95 | $93 | $94 | $104 | $99 | $97 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 11% |
| Agricultural | 5% |
| Consumer | 4% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 7% |