Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.75% | +0.39 | 0.36% |
| Return on Equity (%) | ▲ | 10.02% | +4.22 | 5.80% |
| Net Interest Margin (%) | ▲ | 3.84% | +0.33 | 3.51% |
| Efficiency Ratio (%) | ▲ | 75.51% | -11.72 | 87.24% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.21 | $0 |
| Cost of Funds (%) | ▲ | 2.14% | -0.33 | 2.47% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $141 | +23.97 | $117 |
| Gross Loans ($M) | ▲ | $96 | +21.39 | $74 |
| Loan Growth YoY (%) | ▲ | 74.23% | +6.77 | 67.46% |
| Total Deposits ($M) | ▲ | $127 | +18.51 | $109 |
| Shareholders Equity ($M) | ▲ | $13 | +5.44 | $7 |
| Tang. Book Value ($M) | ▲ | $13 | +5.44 | $7 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +5.43 | $9 |
| Loan / Deposit Ratio (%) | ▲ | 74.23% | +6.77 | 67.46% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.33 | 0.33% |
| Allowance / Loans (%) | — | 1.09% | 0.08% | 1.01% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.52 | 0.52% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 17.91% | -0.18 | 18.09% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▄▁▃▄▄▅█ | Net Interest Margin (%) | 3.65% | 3.57% | 3.37% | 3.51% | 3.56% | 3.55% | 3.64% | 3.84% |
| ▁▁▁▄▅▄██ | Return on Assets (%) | 0.01% | 0.01% | 0.09% | 0.36% | 0.42% | 0.30% | 0.69% | 0.75% |
| ██▆▄▃▂▂▁ | Efficiency Ratio (%) | 100.1% | 97.7% | 92.8% | 87.2% | 84.4% | 81.3% | 78.9% | 75.5% |
| █▇▆▅▇▄▄▁ | Cost of Funds (%) | 2.75% | 2.65% | 2.54% | 2.47% | 2.60% | 2.44% | 2.39% | 2.14% |
| ▁▁▁█▁▃▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.33% | 0.04% | 0.11% | 0.00% | 0.00% |
| ▁▁▁█▁▃▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.52% | 0.06% | 0.17% | 0.00% | 0.00% |
| ▂▁▁▁▃▃▄█ | Tang. Book Value ($M) | $8 | $7 | $7 | $7 | $8 | $9 | $9 | $13 |
| ▁▁▃▄▅▆▇█ | Gross Loans ($M) | $56 | $58 | $66 | $74 | $77 | $83 | $87 | $96 |
| ▁▃▄▄▅█▇█ | Total Deposits ($M) | $91 | $101 | $108 | $109 | $112 | $125 | $120 | $127 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 69% |
| C&I / Commercial | 28% |
| Agricultural | 2% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 43% |
| Brokered / Other | 27% |