Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.64% | -0.07 | 1.71% |
| Return on Equity (%) | ▼ | 17.14% | -4.09 | 21.23% |
| Net Interest Margin (%) | ▲ | 4.02% | +0.25 | 3.77% |
| Efficiency Ratio (%) | ▲ | 48.25% | -2.75 | 51.00% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.11 | $1 |
| Cost of Funds (%) | ▼ | 1.45% | +0.01 | 1.44% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $132 | +23.11 | $108 |
| Gross Loans ($M) | ▲ | $87 | +16.05 | $71 |
| Loan Growth YoY (%) | ▲ | 74.78% | +0.10 | 74.68% |
| Total Deposits ($M) | ▲ | $115 | +21.15 | $94 |
| Shareholders Equity ($M) | ▲ | $13 | +3.72 | $9 |
| Tang. Book Value ($M) | ▲ | $12 | +3.16 | $9 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +3.29 | $11 |
| Loan / Deposit Ratio (%) | ▲ | 74.78% | +0.10 | 74.68% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.11% | +0.11 | 0.00% |
| Allowance / Loans (%) | — | 1.07% | -0.06% | 1.13% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.76% | +0.35 | 14.41% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆▇▇██ | Net Interest Margin (%) | 3.26% | 3.31% | 3.72% | 3.77% | 3.85% | 3.88% | 3.99% | 4.02% |
| ▁▁█▇█▆▆▆ | Return on Assets (%) | 1.37% | 1.38% | 1.77% | 1.71% | 1.77% | 1.66% | 1.63% | 1.64% |
| ██▆▄▃▇▁▁ | Efficiency Ratio (%) | 53.8% | 54.2% | 52.5% | 51.0% | 50.0% | 53.3% | 48.7% | 48.3% |
| █▆▃▁▂▂▁▁ | Cost of Funds (%) | 1.82% | 1.69% | 1.53% | 1.44% | 1.45% | 1.46% | 1.39% | 1.45% |
| ▁▁▁▁█▃▃▃ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.35% | 0.12% | 0.11% | 0.11% |
| ▁▁▁▁█▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.53% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▂▄▇██ | Tang. Book Value ($M) | $8 | $8 | $9 | $9 | $10 | $12 | $12 | $12 |
| ▁▃▁▂▃▇██ | Gross Loans ($M) | $69 | $73 | $67 | $71 | $74 | $84 | $85 | $87 |
| ▁▁▂▂▃▆█▇ | Total Deposits ($M) | $88 | $91 | $95 | $94 | $96 | $111 | $119 | $115 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 56% |
| C&I / Commercial | 8% |
| Agricultural | 32% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 10% |