Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.77% | +0.14 | 0.63% |
| Return on Equity (%) | ▲ | 7.63% | +0.25 | 7.38% |
| Net Interest Margin (%) | ▲ | 3.46% | +0.18 | 3.28% |
| Efficiency Ratio (%) | ▲ | 76.12% | -4.62 | 80.74% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.00 | $0 |
| Cost of Funds (%) | ▲ | 1.01% | -0.23 | 1.24% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $146 | -1.30 | $147 |
| Gross Loans ($M) | ▲ | $53 | +2.66 | $51 |
| Loan Growth YoY (%) | ▲ | 40.45% | +2.97 | 37.47% |
| Total Deposits ($M) | ▼ | $129 | -3.64 | $132 |
| Shareholders Equity ($M) | ▲ | $15 | +2.42 | $13 |
| Tang. Book Value ($M) | ▲ | $12 | +2.42 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +2.19 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 40.45% | +2.97 | 37.47% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.13% | +0.09 | 0.04% |
| Allowance / Loans (%) | — | 2.20% | 0.28% | 1.92% |
| Net Charge-Off Ratio (%) | ▼ | 0.36% | +0.23 | 0.12% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 22.90% | +0.02 | 22.88% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▆██ | Net Interest Margin (%) | 3.03% | 3.05% | 3.19% | 3.28% | 3.32% | 3.32% | 3.42% | 3.46% |
| ▆▃▁▆▇▁▆█ | Return on Assets (%) | 0.62% | 0.48% | 0.38% | 0.63% | 0.67% | 0.41% | 0.64% | 0.77% |
| ▅▆█▃▂▅▂▁ | Efficiency Ratio (%) | 83.0% | 84.8% | 89.6% | 80.7% | 79.2% | 83.4% | 78.7% | 76.1% |
| ██▇▅▅▅▁▁ | Cost of Funds (%) | 1.36% | 1.38% | 1.31% | 1.24% | 1.24% | 1.22% | 1.05% | 1.01% |
| ▁▂▁▁▃█▃▄ | NPA / Assets (%) | 0.06% | 0.08% | 0.04% | 0.04% | 0.09% | 0.23% | 0.10% | 0.13% |
| ▁▂▁▁▃█▃▄ | Net Charge-Off Ratio (%) | 0.18% | 0.23% | 0.12% | 0.12% | 0.26% | 0.62% | 0.29% | 0.36% |
| ▇▁▂▃▇▇▆█ | Tang. Book Value ($M) | $11 | $8 | $9 | $10 | $11 | $12 | $11 | $12 |
| ▁▁▂▆▆▇██ | Gross Loans ($M) | $44 | $44 | $46 | $51 | $51 | $51 | $53 | $53 |
| ▁▂▆█▅▂█▇ | Total Deposits ($M) | $118 | $121 | $127 | $132 | $125 | $121 | $132 | $129 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 22% |
| Agricultural | 2% |
| Consumer | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 11% |