Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.80% | +0.14 | 0.67% |
| Return on Equity (%) | ▲ | 9.70% | +0.69 | 9.01% |
| Net Interest Margin (%) | ▲ | 3.50% | +0.44 | 3.05% |
| Efficiency Ratio (%) | ▲ | 72.95% | -2.35 | 75.30% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.09 | $1 |
| Cost of Funds (%) | ▲ | 1.26% | -0.13 | 1.38% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $213 | +7.03 | $206 |
| Gross Loans ($M) | ▲ | $142 | +6.11 | $136 |
| Loan Growth YoY (%) | ▲ | 72.43% | +0.91 | 71.52% |
| Total Deposits ($M) | ▲ | $194 | +5.99 | $188 |
| Shareholders Equity ($M) | ▲ | $18 | +2.01 | $16 |
| Tang. Book Value ($M) | ▲ | $18 | +2.03 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +1.66 | $19 |
| Loan / Deposit Ratio (%) | ▲ | 72.43% | +0.91 | 71.52% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.01% | +0.00 | 0.01% |
| Allowance / Loans (%) | — | 1.15% | -0.01% | 1.16% |
| Net Charge-Off Ratio (%) | ▼ | 0.01% | +0.00 | 0.01% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.87% | +0.48 | 12.39% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▅▅██ | Net Interest Margin (%) | 2.81% | 2.80% | 2.84% | 3.05% | 3.17% | 3.20% | 3.43% | 3.50% |
| ▂▂▁▆▇▆▇█ | Return on Assets (%) | 0.46% | 0.43% | 0.38% | 0.67% | 0.73% | 0.69% | 0.75% | 0.80% |
| ▆▇█▂▁▂▂▁ | Efficiency Ratio (%) | 82.3% | 83.6% | 85.8% | 75.3% | 73.8% | 75.4% | 74.6% | 72.9% |
| ▆██▃▄▄▂▁ | Cost of Funds (%) | 1.50% | 1.59% | 1.62% | 1.38% | 1.43% | 1.41% | 1.30% | 1.26% |
| ███▁▁▁▁▁ | NPA / Assets (%) | 0.27% | 0.27% | 0.27% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% |
| ▁▁▁▇▇▇▆█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% |
| ▂▁▂▄▆▇██ | Tang. Book Value ($M) | $15 | $15 | $15 | $16 | $17 | $17 | $18 | $18 |
| ▁▂▂▅▇███ | Gross Loans ($M) | $127 | $129 | $130 | $136 | $139 | $142 | $141 | $142 |
| ▁▂▇▅▁▃██ | Total Deposits ($M) | $179 | $183 | $193 | $188 | $180 | $184 | $196 | $194 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 59% |
| C&I / Commercial | 11% |
| Agricultural | 19% |
| Consumer | 1% |
| Other | 9% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 17% |