Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.81% | +0.18 | 0.63% |
| Return on Equity (%) | ▲ | 13.24% | +1.87 | 11.37% |
| Net Interest Margin (%) | ▼ | 3.81% | -0.07 | 3.88% |
| Efficiency Ratio (%) | ▲ | 70.86% | -7.77 | 78.63% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $0 |
| Cost of Funds (%) | ▲ | 2.01% | -0.01 | 2.02% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $168 | +20.61 | $147 |
| Gross Loans ($M) | ▲ | $111 | +10.41 | $100 |
| Loan Growth YoY (%) | ▼ | 71.32% | -2.00 | 73.31% |
| Total Deposits ($M) | ▲ | $153 | +18.17 | $135 |
| Shareholders Equity ($M) | ▲ | $11 | +2.25 | $8 |
| Tang. Book Value ($M) | ▲ | $11 | +2.25 | $8 |
| TBV excl. AOCI ($M)** | ▲ | $12 | +2.24 | $10 |
| Loan / Deposit Ratio (%) | ▼ | 71.32% | -2.00 | 73.31% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.11% | +0.01 | 0.10% |
| Allowance / Loans (%) | — | 1.25% | 0.02% | 1.23% |
| Net Charge-Off Ratio (%) | ▼ | 0.16% | +0.02 | 0.14% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▇█▆▆▅▇ | Net Interest Margin (%) | 3.48% | 3.55% | 3.80% | 3.88% | 3.76% | 3.77% | 3.69% | 3.81% |
| ▁▁▃▃▃▆██ | Return on Assets (%) | 0.52% | 0.53% | 0.61% | 0.63% | 0.61% | 0.70% | 0.77% | 0.81% |
| ██▇▇▇▅▁▁ | Efficiency Ratio (%) | 80.2% | 80.7% | 78.9% | 78.6% | 78.7% | 76.8% | 71.8% | 70.9% |
| ▄▂▆▂▆█▁▁ | Cost of Funds (%) | 2.06% | 2.01% | 2.09% | 2.02% | 2.10% | 2.15% | 1.99% | 2.01% |
| ▄▅▂▁█▂▁▁ | NPA / Assets (%) | 0.24% | 0.26% | 0.13% | 0.10% | 0.40% | 0.15% | 0.11% | 0.11% |
| ▄▅▁▁█▂▁▁ | Net Charge-Off Ratio (%) | 0.37% | 0.41% | 0.20% | 0.14% | 0.64% | 0.24% | 0.18% | 0.16% |
| ▄▁▂▂▅▇▆█ | Tang. Book Value ($M) | $9 | $8 | $8 | $8 | $10 | $10 | $10 | $11 |
| ▁▁▃▄▆▆▇█ | Gross Loans ($M) | $92 | $94 | $98 | $100 | $104 | $104 | $108 | $111 |
| ▁▂▃▃████ | Total Deposits ($M) | $126 | $130 | $135 | $135 | $153 | $154 | $153 | $153 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 9% |
| Agricultural | 4% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 8% |