Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.29% | +0.17 | 1.12% |
| Return on Equity (%) | ▼ | 11.05% | -0.54 | 11.59% |
| Net Interest Margin (%) | ▲ | 2.94% | +0.32 | 2.61% |
| Efficiency Ratio (%) | ▲ | 53.66% | -6.74 | 60.41% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.21 | $1 |
| Cost of Funds (%) | ▲ | 1.27% | -0.02 | 1.29% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $200 | +8.23 | $192 |
| Gross Loans ($M) | ▲ | $91 | +15.08 | $76 |
| Loan Growth YoY (%) | ▲ | 51.71% | +7.48 | 44.23% |
| Total Deposits ($M) | ▲ | $174 | +4.36 | $170 |
| Shareholders Equity ($M) | ▲ | $24 | +4.00 | $20 |
| Tang. Book Value ($M) | ▲ | $24 | +4.00 | $20 |
| TBV excl. AOCI ($M)** | ▲ | $28 | +3.51 | $25 |
| Loan / Deposit Ratio (%) | ▲ | 51.71% | +7.48 | 44.23% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.04 | 0.04% |
| Allowance / Loans (%) | — | 1.14% | -0.04% | 1.18% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.11 | 0.11% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▅▇█ | Net Interest Margin (%) | 2.40% | 2.41% | 2.60% | 2.61% | 2.68% | 2.71% | 2.87% | 2.94% |
| ▁▁█▄▄▄▇▆ | Return on Assets (%) | 0.91% | 0.88% | 1.46% | 1.12% | 1.16% | 1.14% | 1.38% | 1.29% |
| ▇█▄▆▅▅▁▁ | Efficiency Ratio (%) | 62.8% | 64.5% | 58.2% | 60.4% | 58.5% | 59.3% | 52.5% | 53.7% |
| █▄▁▃▅▄▁▂ | Cost of Funds (%) | 1.39% | 1.30% | 1.25% | 1.29% | 1.32% | 1.30% | 1.24% | 1.27% |
| ██▅▅▂▆▁▁ | NPA / Assets (%) | 0.08% | 0.07% | 0.04% | 0.04% | 0.02% | 0.05% | 0.00% | 0.00% |
| █▇▅▄▂▅▁▁ | Net Charge-Off Ratio (%) | 0.24% | 0.20% | 0.12% | 0.11% | 0.04% | 0.13% | 0.00% | 0.00% |
| ▄▁▃▃▇▇██ | Tang. Book Value ($M) | $20 | $17 | $19 | $20 | $23 | $23 | $23 | $24 |
| ▁▁▁▄▅▆▅█ | Gross Loans ($M) | $65 | $66 | $65 | $76 | $78 | $82 | $81 | $91 |
| ▁▂▅▃▃▆█▇ | Total Deposits ($M) | $167 | $169 | $172 | $170 | $170 | $173 | $175 | $174 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 73% |
| C&I / Commercial | 12% |
| Agricultural | 9% |
| Consumer | 5% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 81% |
| Brokered / Other | 4% |