Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.58% | +0.14 | 1.44% |
| Return on Equity (%) | ▲ | 14.56% | +0.72 | 13.84% |
| Net Interest Margin (%) | ▲ | 4.40% | +0.11 | 4.29% |
| Efficiency Ratio (%) | ▲ | 52.13% | -3.21 | 55.34% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.08 | $1 |
| Cost of Funds (%) | ▲ | 1.50% | -0.08 | 1.58% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $134 | +2.06 | $132 |
| Gross Loans ($M) | ▲ | $83 | +5.64 | $77 |
| Loan Growth YoY (%) | ▲ | 68.54% | +3.39 | 65.15% |
| Total Deposits ($M) | ▲ | $119 | +2.48 | $116 |
| Shareholders Equity ($M) | — | $14 | 0.00 | $14 |
| Tang. Book Value ($M) | — | $14 | 0.00 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +0.14 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 68.54% | +3.39 | 65.15% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.13% | +0.03 | 0.10% |
| Allowance / Loans (%) | — | 1.65% | -0.13% | 1.79% |
| Net Charge-Off Ratio (%) | ▼ | 0.21% | +0.04 | 0.17% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 17.94% | -1.74 | 19.68% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▁▁▄▅▃▄█ | Net Interest Margin (%) | 4.25% | 4.23% | 4.22% | 4.29% | 4.31% | 4.27% | 4.31% | 4.40% |
| ▄▃▁▂▂▅▆█ | Return on Assets (%) | 1.48% | 1.47% | 1.41% | 1.44% | 1.43% | 1.51% | 1.53% | 1.58% |
| ███▆▆▄▂▁ | Efficiency Ratio (%) | 56.3% | 56.7% | 56.2% | 55.3% | 55.4% | 54.3% | 52.7% | 52.1% |
| ██▄▃▃▃▁▁ | Cost of Funds (%) | 1.75% | 1.77% | 1.62% | 1.58% | 1.59% | 1.57% | 1.53% | 1.50% |
| ▁▁▆▆█▆██ | NPA / Assets (%) | 0.01% | 0.02% | 0.09% | 0.10% | 0.13% | 0.09% | 0.13% | 0.13% |
| ▁▁▆▆█▆██ | Net Charge-Off Ratio (%) | 0.02% | 0.03% | 0.16% | 0.17% | 0.22% | 0.17% | 0.23% | 0.21% |
| ▃▁▃▄▇█▃▄ | Tang. Book Value ($M) | $14 | $13 | $14 | $14 | $15 | $16 | $14 | $14 |
| ▅▆▂▄▃▁▂█ | Gross Loans ($M) | $79 | $80 | $75 | $77 | $76 | $74 | $76 | $83 |
| ▁▆▆▅▄██▇ | Total Deposits ($M) | $111 | $118 | $117 | $116 | $115 | $121 | $120 | $119 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 60% |
| C&I / Commercial | 6% |
| Agricultural | 13% |
| Consumer | 22% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 17% |