Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.87% | +0.19 | 0.68% |
| Return on Equity (%) | ▲ | 10.36% | +1.29 | 9.07% |
| Net Interest Margin (%) | ▲ | 3.28% | +0.32 | 2.97% |
| Efficiency Ratio (%) | ▲ | 63.77% | -5.17 | 68.94% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.10 | $0 |
| Cost of Funds (%) | ▲ | 1.61% | -0.12 | 1.72% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $206 | +7.12 | $199 |
| Gross Loans ($M) | ▼ | $116 | -6.51 | $122 |
| Loan Growth YoY (%) | ▼ | 65.13% | -6.84 | 71.97% |
| Total Deposits ($M) | ▲ | $175 | +7.52 | $168 |
| Shareholders Equity ($M) | ▲ | $17 | +1.85 | $16 |
| Tang. Book Value ($M) | ▲ | $17 | +1.96 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +2.52 | $18 |
| Loan / Deposit Ratio (%) | ▼ | 65.13% | -6.84 | 71.97% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.03 | 0.03% |
| Allowance / Loans (%) | — | 1.29% | 0.12% | 1.17% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.05 | 0.05% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆██ | Net Interest Margin (%) | 2.62% | 2.67% | 2.89% | 2.97% | 3.05% | 3.10% | 3.31% | 3.28% |
| ▁▁▃▅▅▆██ | Return on Assets (%) | 0.48% | 0.46% | 0.61% | 0.68% | 0.70% | 0.77% | 0.90% | 0.87% |
| ██▅▄▃▃▁▁ | Efficiency Ratio (%) | 76.5% | 75.8% | 71.3% | 68.9% | 67.9% | 66.8% | 63.3% | 63.8% |
| █▅▂▄▅▁▁▁ | Cost of Funds (%) | 1.90% | 1.78% | 1.67% | 1.72% | 1.76% | 1.64% | 1.64% | 1.61% |
| █▃▁▂▂▂▁▁ | NPA / Assets (%) | 0.17% | 0.06% | 0.00% | 0.03% | 0.04% | 0.04% | 0.00% | 0.00% |
| █▃▁▂▂▁▁▁ | Net Charge-Off Ratio (%) | 0.27% | 0.09% | 0.00% | 0.05% | 0.06% | 0.01% | 0.00% | 0.00% |
| ▆▁▃▄▆▇██ | Tang. Book Value ($M) | $16 | $13 | $14 | $15 | $16 | $16 | $16 | $17 |
| ▄▆▂█▆▅▁▁ | Gross Loans ($M) | $119 | $120 | $116 | $122 | $120 | $119 | $115 | $116 |
| ▁▃▅▆▆▇▆█ | Total Deposits ($M) | $153 | $160 | $165 | $168 | $168 | $170 | $168 | $175 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 71% |
| C&I / Commercial | 8% |
| Agricultural | 12% |
| Consumer | 5% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 8% |