Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.27% | +0.73 | 0.53% |
| Return on Equity (%) | ▲ | 9.38% | +5.46 | 3.92% |
| Net Interest Margin (%) | ▲ | 2.93% | +0.35 | 2.58% |
| Efficiency Ratio (%) | ▲ | 54.06% | -5.04 | 59.09% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.05 | $0 |
| Cost of Funds (%) | ▲ | 2.01% | -0.12 | 2.14% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $125 | +7.27 | $118 |
| Gross Loans ($M) | ▲ | $87 | +4.81 | $82 |
| Loan Growth YoY (%) | ▲ | 80.13% | +0.32 | 79.81% |
| Total Deposits ($M) | ▲ | $107 | +5.96 | $101 |
| Shareholders Equity ($M) | ▲ | $17 | +1.07 | $16 |
| Tang. Book Value ($M) | ▲ | $17 | +1.07 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +1.29 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 80.13% | +0.32 | 79.81% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.96% | -0.93 | 1.89% |
| Allowance / Loans (%) | — | 1.13% | -0.41% | 1.54% |
| Net Charge-Off Ratio (%) | ▲ | 1.38% | -1.33 | 2.71% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▅▆▇█ | Net Interest Margin (%) | 2.36% | 2.41% | 2.48% | 2.58% | 2.66% | 2.74% | 2.83% | 2.93% |
| ▅▆▁▁▅▅▆█ | Return on Assets (%) | 0.99% | 1.06% | 0.55% | 0.53% | 0.93% | 0.92% | 1.04% | 1.27% |
| ▃▂█▄▁▁▄▂ | Efficiency Ratio (%) | 58.2% | 55.8% | 74.7% | 59.1% | 52.1% | 49.5% | 59.9% | 54.1% |
| ██▇▅▄▃▁▁ | Cost of Funds (%) | 2.24% | 2.22% | 2.20% | 2.14% | 2.09% | 2.05% | 1.99% | 2.01% |
| ██▇█▄▂▁▁ | NPA / Assets (%) | 1.85% | 1.82% | 1.75% | 1.89% | 1.39% | 1.11% | 0.96% | 0.96% |
| ████▅▁▁▁ | Net Charge-Off Ratio (%) | 2.63% | 2.58% | 2.61% | 2.71% | 2.05% | 1.50% | 1.44% | 1.38% |
| ▂▂▁▂▆█▅█ | Tang. Book Value ($M) | $16 | $16 | $16 | $16 | $16 | $17 | $16 | $17 |
| ▁▂▁▄▃▆▅█ | Gross Loans ($M) | $79 | $80 | $78 | $82 | $81 | $84 | $84 | $87 |
| ▁▁▃▄▅▅██ | Total Deposits ($M) | $96 | $97 | $100 | $101 | $103 | $103 | $108 | $107 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 6% |
| Agricultural | 4% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 11% |
| Interest-Bearing (core) | 82% |
| Brokered / Other | 7% |