Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 3.14% | +0.23 | 2.91% |
| Return on Equity (%) | ▲ | 32.95% | +2.02 | 30.93% |
| Net Interest Margin (%) | ▲ | 5.85% | +0.44 | 5.41% |
| Efficiency Ratio (%) | ▲ | 43.99% | -0.55 | 44.53% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.30 | $2 |
| Cost of Funds (%) | ▲ | 1.38% | -0.04 | 1.42% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $210 | -5.96 | $216 |
| Gross Loans ($M) | ▼ | $166 | -0.68 | $166 |
| Loan Growth YoY (%) | ▲ | 86.66% | +2.73 | 83.93% |
| Total Deposits ($M) | ▼ | $189 | -7.13 | $196 |
| Shareholders Equity ($M) | ▲ | $20 | +0.56 | $20 |
| Tang. Book Value ($M) | ▲ | $20 | +0.57 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $22 | +0.91 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 86.66% | +2.73 | 83.93% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.13% | -0.05 | 0.18% |
| Allowance / Loans (%) | — | 1.06% | 0.08% | 0.98% |
| Net Charge-Off Ratio (%) | ▼ | 0.16% | +0.03 | 0.13% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▃▄▃▄█ | Net Interest Margin (%) | 5.24% | 5.24% | 5.40% | 5.41% | 5.53% | 5.43% | 5.51% | 5.85% |
| ▁▁▃▄▆▃▁█ | Return on Assets (%) | 2.80% | 2.77% | 2.87% | 2.91% | 3.02% | 2.88% | 2.81% | 3.14% |
| ▁▃▂▂▂▆█▁ | Efficiency Ratio (%) | 44.1% | 44.8% | 44.5% | 44.5% | 44.4% | 45.7% | 46.4% | 44.0% |
| █▄▂▂▄▃▁▁ | Cost of Funds (%) | 1.71% | 1.51% | 1.43% | 1.42% | 1.50% | 1.47% | 1.36% | 1.38% |
| █▁▂▄▁▃▂▃ | NPA / Assets (%) | 0.33% | 0.06% | 0.09% | 0.18% | 0.06% | 0.14% | 0.13% | 0.13% |
| █▁▂▂▁▃▂▂ | Net Charge-Off Ratio (%) | 0.41% | 0.07% | 0.12% | 0.13% | 0.07% | 0.18% | 0.15% | 0.16% |
| ▄▆▁▃▆█▂▄ | Tang. Book Value ($M) | $20 | $22 | $18 | $20 | $22 | $23 | $19 | $20 |
| ▁▁▄▄█▇█▄ | Gross Loans ($M) | $162 | $163 | $166 | $166 | $170 | $169 | $171 | $166 |
| ▁▃▅▇▄██▄ | Total Deposits ($M) | $179 | $187 | $191 | $196 | $188 | $199 | $200 | $189 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 73% |
| C&I / Commercial | 12% |
| Agricultural | 13% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 10% |