Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.34% | +0.21 | 1.13% |
| Return on Equity (%) | ▲ | 13.21% | +1.70 | 11.51% |
| Net Interest Margin (%) | ▲ | 3.98% | +0.35 | 3.63% |
| Efficiency Ratio (%) | ▲ | 53.27% | -2.60 | 55.87% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.13 | $1 |
| Cost of Funds (%) | ▲ | 2.00% | -0.17 | 2.18% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $148 | +7.28 | $141 |
| Gross Loans ($M) | ▲ | $108 | +14.00 | $94 |
| Loan Growth YoY (%) | ▲ | 80.50% | +7.64 | 72.86% |
| Total Deposits ($M) | ▲ | $131 | +5.36 | $126 |
| Shareholders Equity ($M) | ▲ | $15 | +0.79 | $14 |
| Tang. Book Value ($M) | ▲ | $15 | +0.79 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +0.62 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 80.50% | +7.64 | 72.86% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.01% | -0.18 | 0.19% |
| Allowance / Loans (%) | — | 1.83% | -0.20% | 2.03% |
| Net Charge-Off Ratio (%) | ▲ | 0.02% | -0.27 | 0.29% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▇██ | Net Interest Margin (%) | 3.12% | 3.19% | 3.52% | 3.63% | 3.74% | 3.80% | 3.93% | 3.98% |
| ▁▁▅▄▅▅█▇ | Return on Assets (%) | 0.88% | 0.92% | 1.16% | 1.13% | 1.18% | 1.21% | 1.42% | 1.34% |
| ▇█▁▃▃▃▁▁ | Efficiency Ratio (%) | 59.9% | 61.3% | 54.0% | 55.9% | 55.4% | 56.1% | 53.3% | 53.3% |
| █▄▅▄▃▁▂▁ | Cost of Funds (%) | 2.46% | 2.18% | 2.26% | 2.18% | 2.10% | 1.96% | 2.04% | 2.00% |
| ▁██▇▄▃▃▁ | NPA / Assets (%) | 0.01% | 0.22% | 0.19% | 0.19% | 0.11% | 0.07% | 0.07% | 0.01% |
| ▁██▇▄▃▃▁ | Net Charge-Off Ratio (%) | 0.01% | 0.33% | 0.29% | 0.29% | 0.16% | 0.11% | 0.10% | 0.02% |
| ▁▁▃▅▆▆▇█ | Tang. Book Value ($M) | $13 | $13 | $14 | $14 | $15 | $15 | $15 | $15 |
| ▁▁▃▃▄▄▆█ | Gross Loans ($M) | $89 | $91 | $94 | $94 | $96 | $98 | $103 | $108 |
| ▁▄▅▅▃▄▆█ | Total Deposits ($M) | $119 | $125 | $126 | $126 | $123 | $125 | $128 | $131 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 60% |
| C&I / Commercial | 5% |
| Agricultural | 28% |
| Consumer | 5% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 79% |
| Brokered / Other | 9% |