Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.53% | +0.29 | 1.24% |
| Return on Equity (%) | ▲ | 15.39% | +1.79 | 13.60% |
| Net Interest Margin (%) | ▲ | 3.77% | +0.34 | 3.43% |
| Efficiency Ratio (%) | ▲ | 56.72% | -5.07 | 61.79% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.23 | $1 |
| Cost of Funds (%) | ▲ | 1.93% | -0.11 | 2.04% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $270 | +5.59 | $264 |
| Gross Loans ($M) | ▲ | $214 | +22.40 | $191 |
| Loan Growth YoY (%) | ▲ | 93.64% | +11.09 | 82.55% |
| Total Deposits ($M) | ▼ | $226 | -3.16 | $229 |
| Shareholders Equity ($M) | ▲ | $28 | +3.05 | $25 |
| Tang. Book Value ($M) | ▲ | $26 | +3.19 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +2.73 | $25 |
| Loan / Deposit Ratio (%) | ▲ | 93.64% | +11.09 | 82.55% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.31% | +0.13 | 0.17% |
| Allowance / Loans (%) | — | 1.00% | -0.13% | 1.13% |
| Net Charge-Off Ratio (%) | ▼ | 0.39% | +0.15 | 0.24% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 2.91% | 3.00% | 3.31% | 3.43% | 3.45% | 3.50% | 3.67% | 3.77% |
| ▁▁▂▄▅▅▆█ | Return on Assets (%) | 0.95% | 1.01% | 1.09% | 1.24% | 1.27% | 1.26% | 1.37% | 1.53% |
| ███▅▄▅▃▁ | Efficiency Ratio (%) | 65.2% | 64.2% | 65.1% | 61.8% | 60.8% | 61.9% | 59.8% | 56.7% |
| █▇▅▇▇▇▁▄ | Cost of Funds (%) | 2.11% | 2.06% | 1.98% | 2.04% | 2.05% | 2.06% | 1.83% | 1.93% |
| █▃▃▁▁▂▂▄ | NPA / Assets (%) | 0.48% | 0.26% | 0.28% | 0.17% | 0.19% | 0.23% | 0.23% | 0.31% |
| █▃▃▁▁▂▂▃ | Net Charge-Off Ratio (%) | 0.67% | 0.35% | 0.38% | 0.24% | 0.25% | 0.29% | 0.30% | 0.39% |
| ▂▁▂▄▆▅▇█ | Tang. Book Value ($M) | $22 | $21 | $22 | $23 | $24 | $24 | $25 | $26 |
| ▁▂▃▃▄▅▇█ | Gross Loans ($M) | $180 | $186 | $190 | $191 | $195 | $201 | $207 | $214 |
| ▁▃▆█▇▅█▇ | Total Deposits ($M) | $206 | $216 | $225 | $229 | $227 | $222 | $232 | $226 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 65% |
| C&I / Commercial | 10% |
| Agricultural | 20% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 8% |