Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.93% | +0.38 | 1.55% |
| Return on Equity (%) | ▲ | 20.41% | +1.78 | 18.63% |
| Net Interest Margin (%) | ▲ | 5.10% | +0.62 | 4.48% |
| Efficiency Ratio (%) | ▲ | 50.72% | -3.88 | 54.60% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▲ | 1.14% | -0.05 | 1.19% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $139 | -7.82 | $147 |
| Gross Loans ($M) | ▼ | $92 | -2.56 | $95 |
| Loan Growth YoY (%) | ▲ | 73.84% | +2.99 | 70.85% |
| Total Deposits ($M) | ▼ | $123 | -9.05 | $132 |
| Shareholders Equity ($M) | ▲ | $14 | +1.16 | $12 |
| Tang. Book Value ($M) | ▲ | $14 | +1.16 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +1.43 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 73.84% | +2.99 | 70.85% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.11% | +0.02 | 0.10% |
| Allowance / Loans (%) | — | 1.67% | 0.23% | 1.44% |
| Net Charge-Off Ratio (%) | ▼ | 0.06% | +0.03 | 0.03% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -15.96 | 15.96% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▂▄▁▅██ | Net Interest Margin (%) | 4.16% | 4.17% | 4.31% | 4.48% | 4.03% | 4.67% | 5.15% | 5.10% |
| ▁▁▂▄▂▆██ | Return on Assets (%) | 1.28% | 1.27% | 1.42% | 1.55% | 1.43% | 1.70% | 1.94% | 1.93% |
| ██▇▄▄▂▁▁ | Efficiency Ratio (%) | 59.8% | 59.3% | 57.9% | 54.6% | 53.7% | 52.2% | 49.9% | 50.7% |
| ▇▆▄▄▁█▃▃ | Cost of Funds (%) | 1.51% | 1.39% | 1.26% | 1.19% | 0.88% | 1.65% | 1.14% | 1.14% |
| ▆█▂▁▁▃▁▂ | NPA / Assets (%) | 0.21% | 0.26% | 0.10% | 0.10% | 0.08% | 0.13% | 0.08% | 0.11% |
| ▅█▂▂▁▄▁▃ | Net Charge-Off Ratio (%) | 0.09% | 0.17% | 0.03% | 0.03% | 0.00% | 0.07% | 0.01% | 0.06% |
| ▁▁▃▅▆███ | Tang. Book Value ($M) | $11 | $11 | $12 | $12 | $13 | $13 | $13 | $14 |
| ▃▁▅█▅██▃ | Gross Loans ($M) | $93 | $91 | $94 | $95 | $94 | $95 | $95 | $92 |
| ▁▂███▅▆▄ | Total Deposits ($M) | $116 | $118 | $131 | $132 | $130 | $126 | $128 | $123 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 7% |
| Agricultural | 2% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 81% |
| Brokered / Other | 5% |