Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.08% | +0.28 | 0.81% |
| Return on Equity (%) | ▲ | 11.56% | +2.07 | 9.49% |
| Net Interest Margin (%) | ▲ | 3.38% | +0.59 | 2.80% |
| Efficiency Ratio (%) | ▲ | 52.99% | -7.14 | 60.13% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.49 | $1 |
| Cost of Funds (%) | ▲ | 1.44% | -0.10 | 1.54% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $319 | +25.92 | $293 |
| Gross Loans ($M) | ▲ | $214 | +39.53 | $175 |
| Loan Growth YoY (%) | ▲ | 81.57% | +11.92 | 69.64% |
| Total Deposits ($M) | ▲ | $260 | +11.86 | $248 |
| Shareholders Equity ($M) | ▲ | $30 | +3.67 | $26 |
| Tang. Book Value ($M) | ▲ | $30 | +3.81 | $26 |
| TBV excl. AOCI ($M)** | ▲ | $34 | +3.20 | $31 |
| Loan / Deposit Ratio (%) | ▲ | 81.57% | +11.92 | 69.64% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.05% | -0.16 | 0.20% |
| Allowance / Loans (%) | — | 1.01% | -0.08% | 1.09% |
| Net Charge-Off Ratio (%) | ▲ | 0.07% | -0.27 | 0.34% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▅██ | Net Interest Margin (%) | 2.36% | 2.42% | 2.68% | 2.80% | 2.88% | 2.95% | 3.32% | 3.38% |
| ▁▁▁▃▅▇▅█ | Return on Assets (%) | 0.72% | 0.69% | 0.73% | 0.81% | 0.90% | 1.01% | 0.92% | 1.08% |
| ███▅▄▁▄▁ | Efficiency Ratio (%) | 63.8% | 65.0% | 63.7% | 60.1% | 58.1% | 53.2% | 57.7% | 53.0% |
| ██▆▃▄▄▂▁ | Cost of Funds (%) | 1.74% | 1.78% | 1.66% | 1.54% | 1.61% | 1.59% | 1.50% | 1.44% |
| ▃▃▆▅▆█▆▁ | NPA / Assets (%) | 0.13% | 0.12% | 0.21% | 0.20% | 0.22% | 0.31% | 0.24% | 0.05% |
| ▄▃▆▆▆█▆▁ | Net Charge-Off Ratio (%) | 0.24% | 0.22% | 0.37% | 0.34% | 0.36% | 0.49% | 0.37% | 0.07% |
| ▂▁▂▄▆▇▇█ | Tang. Book Value ($M) | $25 | $24 | $25 | $26 | $28 | $29 | $29 | $30 |
| ▁▂▁▃▄▆▇█ | Gross Loans ($M) | $160 | $171 | $166 | $175 | $184 | $195 | $203 | $214 |
| ▅▂▃▁▅▆▇█ | Total Deposits ($M) | $254 | $251 | $252 | $248 | $255 | $257 | $258 | $260 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 12% |
| Agricultural | 6% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 15% |