Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.05% | +0.00 | 2.05% |
| Return on Equity (%) | ▼ | 14.80% | -1.88 | 16.68% |
| Net Interest Margin (%) | ▼ | 4.22% | -0.04 | 4.26% |
| Efficiency Ratio (%) | ▲ | 40.01% | -0.86 | 40.87% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.00 | $1 |
| Cost of Funds (%) | ▼ | 0.91% | +0.05 | 0.87% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $171 | +1.82 | $169 |
| Gross Loans ($M) | ▲ | $59 | +0.84 | $59 |
| Loan Growth YoY (%) | ▲ | 40.05% | +0.70 | 39.35% |
| Total Deposits ($M) | ▼ | $146 | -0.88 | $146 |
| Shareholders Equity ($M) | ▲ | $24 | +2.72 | $22 |
| Tang. Book Value ($M) | ▲ | $24 | +2.72 | $22 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +2.90 | $25 |
| Loan / Deposit Ratio (%) | ▲ | 40.05% | +0.70 | 39.35% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.07% | -0.04 | 0.12% |
| Allowance / Loans (%) | — | 1.94% | 0.26% | 1.68% |
| Net Charge-Off Ratio (%) | ▲ | 0.21% | -0.13 | 0.33% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▆█▇▃▄ | Net Interest Margin (%) | 4.14% | 4.15% | 4.22% | 4.26% | 4.32% | 4.28% | 4.19% | 4.22% |
| ▂▂▁▆█▆▃▆ | Return on Assets (%) | 1.95% | 1.94% | 1.92% | 2.05% | 2.10% | 2.03% | 1.96% | 2.05% |
| █▇█▃▁▁▄▁ | Efficiency Ratio (%) | 43.1% | 42.6% | 43.0% | 40.9% | 40.1% | 39.7% | 41.3% | 40.0% |
| █▄▅▃▄▁▃▇ | Cost of Funds (%) | 0.93% | 0.88% | 0.89% | 0.87% | 0.88% | 0.83% | 0.86% | 0.91% |
| █▄▃█▇▄▁▁ | NPA / Assets (%) | 0.12% | 0.10% | 0.09% | 0.12% | 0.11% | 0.10% | 0.08% | 0.07% |
| █▄▂▆▄▃▁▁ | Net Charge-Off Ratio (%) | 0.38% | 0.27% | 0.25% | 0.33% | 0.28% | 0.25% | 0.21% | 0.21% |
| ▂▁▃▄▅▇▇█ | Tang. Book Value ($M) | $20 | $20 | $21 | $22 | $22 | $23 | $24 | $24 |
| ▁▃▄▅▇█▇▅ | Gross Loans ($M) | $51 | $55 | $58 | $59 | $63 | $66 | $63 | $59 |
| ▂█▇▇▁█▇▆ | Total Deposits ($M) | $140 | $150 | $147 | $146 | $137 | $149 | $148 | $146 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 4% |
| Agricultural | 1% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 8% |