Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.29% | +0.09 | 1.20% |
| Return on Equity (%) | ▲ | 9.86% | +2.08 | 7.78% |
| Net Interest Margin (%) | ▼ | 4.73% | -0.04 | 4.77% |
| Efficiency Ratio (%) | ▲ | 53.04% | -4.27 | 57.31% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.22 | $1 |
| Cost of Funds (%) | ▲ | 2.27% | -0.28 | 2.55% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $196 | +34.15 | $162 |
| Gross Loans ($M) | ▲ | $162 | +38.31 | $124 |
| Loan Growth YoY (%) | ▲ | 100.43% | +7.01 | 93.42% |
| Total Deposits ($M) | ▲ | $160 | +28.50 | $131 |
| Shareholders Equity ($M) | ▲ | $25 | +0.50 | $24 |
| Tang. Book Value ($M) | ▲ | $19 | +0.54 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 100.43% | +7.01 | 93.42% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.25% | +0.01 | 0.23% |
| Allowance / Loans (%) | — | 1.06% | 0.07% | 0.99% |
| Net Charge-Off Ratio (%) | ▲ | 0.30% | -0.01 | 0.31% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▆▆█▇▅ | Net Interest Margin (%) | 4.60% | 4.66% | 4.73% | 4.77% | 4.76% | 4.85% | 4.80% | 4.73% |
| ▁▂█▄▄▆▇▇ | Return on Assets (%) | 1.06% | 1.13% | 1.35% | 1.20% | 1.19% | 1.25% | 1.31% | 1.29% |
| ██▅▅▄▃▁▁ | Efficiency Ratio (%) | 60.3% | 60.0% | 57.0% | 57.3% | 56.6% | 55.0% | 53.0% | 53.0% |
| █▇▃▃▃▂▂▁ | Cost of Funds (%) | 3.03% | 2.90% | 2.46% | 2.55% | 2.52% | 2.39% | 2.42% | 2.27% |
| ▆█▁▁▁▁▁▁ | NPA / Assets (%) | 0.68% | 0.93% | 0.22% | 0.23% | 0.28% | 0.27% | 0.26% | 0.25% |
| ▆█▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.97% | 1.28% | 0.31% | 0.31% | 0.35% | 0.33% | 0.32% | 0.30% |
| ▆▁▃▆█▂▅█ | Tang. Book Value ($M) | $18 | $17 | $18 | $18 | $19 | $18 | $18 | $19 |
| ▁▁▂▃▄▆▇█ | Gross Loans ($M) | $104 | $105 | $114 | $124 | $132 | $145 | $151 | $162 |
| ▁▁▃▃▅▅▇█ | Total Deposits ($M) | $117 | $114 | $126 | $131 | $143 | $143 | $151 | $160 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 15% |
| Agricultural | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 13% |