Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.90% | +0.10 | 1.80% |
| Return on Equity (%) | ▼ | 19.99% | -4.17 | 24.16% |
| Net Interest Margin (%) | ▲ | 3.06% | +0.01 | 3.05% |
| Efficiency Ratio (%) | ▲ | 33.55% | -5.50 | 39.05% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.14 | $1 |
| Cost of Funds (%) | ▲ | 1.67% | -0.15 | 1.82% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $159 | +17.61 | $141 |
| Gross Loans ($M) | ▲ | $59 | +4.94 | $54 |
| Loan Growth YoY (%) | ▼ | 40.74% | -0.97 | 41.71% |
| Total Deposits ($M) | ▲ | $142 | +14.79 | $127 |
| Shareholders Equity ($M) | ▲ | $16 | +4.88 | $11 |
| Tang. Book Value ($M) | ▲ | $16 | +4.88 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +5.39 | $15 |
| Loan / Deposit Ratio (%) | ▼ | 40.74% | -0.97 | 41.71% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.03% | -0.04 | 0.07% |
| Allowance / Loans (%) | — | 1.78% | 0.11% | 1.66% |
| Net Charge-Off Ratio (%) | ▲ | 0.09% | -0.11 | 0.19% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅███▆█ | Net Interest Margin (%) | 2.82% | 2.87% | 2.97% | 3.05% | 3.06% | 3.08% | 3.01% | 3.06% |
| ▁▃▅▆▅▄██ | Return on Assets (%) | 1.56% | 1.65% | 1.76% | 1.80% | 1.74% | 1.72% | 1.87% | 1.90% |
| █▇▆▆▆▅▁▁ | Efficiency Ratio (%) | 42.2% | 40.7% | 39.6% | 39.1% | 39.2% | 38.6% | 33.3% | 33.6% |
| █▆▃▄▃▂▁▁ | Cost of Funds (%) | 1.97% | 1.86% | 1.75% | 1.82% | 1.77% | 1.74% | 1.67% | 1.67% |
| ▁▁▁█▁▁█▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.07% | 0.00% | 0.01% | 0.07% | 0.03% |
| ▁▁▁█▁▁█▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.19% | 0.00% | 0.02% | 0.20% | 0.09% |
| ▂▁▁▂▅▇▇█ | Tang. Book Value ($M) | $11 | $10 | $10 | $11 | $13 | $15 | $15 | $16 |
| ▂▁▁▅▇███ | Gross Loans ($M) | $50 | $48 | $49 | $54 | $58 | $59 | $58 | $59 |
| ▁▂▄▂▅▇█▇ | Total Deposits ($M) | $121 | $127 | $132 | $127 | $136 | $142 | $148 | $142 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 50% |
| C&I / Commercial | 6% |
| Agricultural | 38% |
| Consumer | 4% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 17% |