Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.02% | +0.58 | 0.44% |
| Return on Equity (%) | ▲ | 8.25% | +5.32 | 2.93% |
| Net Interest Margin (%) | ▲ | 4.39% | +0.13 | 4.26% |
| Efficiency Ratio (%) | ▲ | 59.45% | -12.31 | 71.76% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.71 | $1 |
| Cost of Funds (%) | ▲ | 1.55% | -0.33 | 1.88% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $285 | +53.18 | $232 |
| Gross Loans ($M) | ▲ | $159 | +51.43 | $108 |
| Loan Growth YoY (%) | ▲ | 62.93% | +9.81 | 53.11% |
| Total Deposits ($M) | ▲ | $250 | +49.52 | $200 |
| Shareholders Equity ($M) | ▲ | $34 | +3.68 | $30 |
| Tang. Book Value ($M) | ▲ | $32 | +4.31 | $27 |
| TBV excl. AOCI ($M)** | ▲ | $36 | +4.98 | $31 |
| Loan / Deposit Ratio (%) | ▲ | 62.93% | +9.81 | 53.11% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.03% | +0.01 | 0.02% |
| Allowance / Loans (%) | — | 1.05% | 0.04% | 1.01% |
| Net Charge-Off Ratio (%) | — | 0.05% | 0.00 | 0.05% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▁▁▁▂▂▂ | Net Interest Margin (%) | 5.20% | 5.03% | 4.21% | 4.26% | 4.30% | 4.42% | 4.36% | 4.39% |
| ▁▁▂▃▄▆▇█ | Return on Assets (%) | 0.24% | 0.33% | 0.35% | 0.44% | 0.58% | 0.76% | 0.90% | 1.02% |
| ██▅▆▅▃▂▁ | Efficiency Ratio (%) | 78.6% | 78.2% | 71.1% | 71.8% | 69.7% | 65.7% | 62.3% | 59.4% |
| ▁▄▅██▆▅▃ | Cost of Funds (%) | 1.38% | 1.58% | 1.70% | 1.88% | 1.93% | 1.76% | 1.66% | 1.55% |
| ▆▅▂▃▃▁█▆ | NPA / Assets (%) | 0.03% | 0.03% | 0.02% | 0.02% | 0.02% | 0.02% | 0.04% | 0.03% |
| █▇▃▄▃▁▇▄ | Net Charge-Off Ratio (%) | 0.07% | 0.07% | 0.04% | 0.05% | 0.05% | 0.03% | 0.07% | 0.05% |
| ▂▁▂▁▄▆▆█ | Tang. Book Value ($M) | $28 | $27 | $28 | $27 | $29 | $30 | $30 | $32 |
| ▁▁▃▄▅▆▇█ | Gross Loans ($M) | $68 | $70 | $93 | $108 | $115 | $127 | $138 | $159 |
| ▁▁▂▅▆▆▇█ | Total Deposits ($M) | $135 | $149 | $161 | $200 | $209 | $219 | $226 | $250 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 27% |
| Agricultural | 4% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 35% |
| Interest-Bearing (core) | 52% |
| Brokered / Other | 13% |