Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.91% | +0.10 | 1.81% |
| Return on Equity (%) | ▼ | 13.81% | -1.00 | 14.81% |
| Net Interest Margin (%) | ▲ | 4.22% | +0.23 | 3.99% |
| Efficiency Ratio (%) | ▼ | 57.67% | +0.29 | 57.38% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.01 | $1 |
| Cost of Funds (%) | ▲ | 1.11% | -0.18 | 1.29% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $117 | -1.84 | $118 |
| Gross Loans ($M) | ▲ | $66 | +4.17 | $62 |
| Loan Growth YoY (%) | ▲ | 66.33% | +6.80 | 59.53% |
| Total Deposits ($M) | ▼ | $99 | -4.26 | $103 |
| Shareholders Equity ($M) | ▲ | $16 | +1.43 | $15 |
| Tang. Book Value ($M) | ▲ | $16 | +1.43 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +1.47 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 66.33% | +6.80 | 59.53% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.02% | -0.09 | 0.12% |
| Allowance / Loans (%) | — | 1.32% | -0.11% | 1.43% |
| Net Charge-Off Ratio (%) | ▲ | 0.04% | -0.18 | 0.22% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆▇█ | Net Interest Margin (%) | 3.78% | 3.77% | 3.88% | 3.99% | 4.03% | 4.06% | 4.12% | 4.22% |
| ▁▁▄▆▆▅██ | Return on Assets (%) | 1.55% | 1.54% | 1.69% | 1.81% | 1.78% | 1.76% | 1.87% | 1.91% |
| ██▃▁▂▄▁▁ | Efficiency Ratio (%) | 61.9% | 62.1% | 58.7% | 57.4% | 58.5% | 59.2% | 57.7% | 57.7% |
| █▃▇▇▄▃▁▁ | Cost of Funds (%) | 1.33% | 1.17% | 1.30% | 1.29% | 1.20% | 1.18% | 1.13% | 1.11% |
| ▂█▆▄▆▂▂▁ | NPA / Assets (%) | 0.07% | 0.22% | 0.16% | 0.12% | 0.15% | 0.07% | 0.06% | 0.02% |
| ▂█▇▄▅▂▂▁ | Net Charge-Off Ratio (%) | 0.13% | 0.42% | 0.33% | 0.22% | 0.26% | 0.12% | 0.12% | 0.04% |
| ▁▁▂▂▅███ | Tang. Book Value ($M) | $15 | $15 | $15 | $15 | $16 | $16 | $17 | $16 |
| ▁▄▁▃█▅▁█ | Gross Loans ($M) | $61 | $63 | $61 | $62 | $66 | $64 | $61 | $66 |
| ▂▆█▄▁▄▆▂ | Total Deposits ($M) | $99 | $106 | $111 | $103 | $96 | $102 | $106 | $99 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 81% |
| C&I / Commercial | 6% |
| Agricultural | 4% |
| Consumer | 4% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 16% |