Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.27% | -0.07 | 2.34% |
| Return on Equity (%) | ▼ | 19.82% | -2.21 | 22.03% |
| Net Interest Margin (%) | ▲ | 3.91% | +0.10 | 3.82% |
| Efficiency Ratio (%) | ▲ | 42.53% | -1.06 | 43.59% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.35 | $2 |
| Cost of Funds (%) | ▲ | 1.59% | -0.12 | 1.71% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $372 | +23.70 | $348 |
| Gross Loans ($M) | ▲ | $245 | +59.51 | $186 |
| Loan Growth YoY (%) | ▲ | 74.71% | +14.84 | 59.87% |
| Total Deposits ($M) | ▲ | $326 | +17.89 | $309 |
| Shareholders Equity ($M) | ▲ | $44 | +5.67 | $38 |
| Tang. Book Value ($M) | ▲ | $43 | +5.67 | $37 |
| TBV excl. AOCI ($M)** | ▲ | $47 | +5.24 | $41 |
| Loan / Deposit Ratio (%) | ▲ | 74.71% | +14.84 | 59.87% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.59% | 0.00% | 0.59% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▇▇▇▇█ | Net Interest Margin (%) | 3.45% | 3.53% | 3.78% | 3.82% | 3.83% | 3.82% | 3.81% | 3.91% |
| ▁▁█████▆ | Return on Assets (%) | 1.95% | 2.00% | 2.33% | 2.34% | 2.38% | 2.38% | 2.37% | 2.27% |
| █▇▂▂▂▁▁▁ | Efficiency Ratio (%) | 49.0% | 48.0% | 43.4% | 43.6% | 43.4% | 43.0% | 43.2% | 42.5% |
| ██▆▅▅▂▁▂ | Cost of Funds (%) | 1.78% | 1.81% | 1.73% | 1.71% | 1.70% | 1.60% | 1.55% | 1.59% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▃▆█▇█ | Tang. Book Value ($M) | $34 | $35 | $35 | $37 | $40 | $42 | $42 | $43 |
| ▁▃▃▁▅▅██ | Gross Loans ($M) | $191 | $208 | $207 | $186 | $219 | $219 | $240 | $245 |
| ▁▂▄▄▄▆█▆ | Total Deposits ($M) | $287 | $300 | $308 | $309 | $309 | $325 | $342 | $326 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 50% |
| C&I / Commercial | 11% |
| Agricultural | 27% |
| Consumer | 1% |
| Other | 12% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 34% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 12% |