Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.60% | +0.27 | 1.33% |
| Return on Equity (%) | ▲ | 14.54% | +1.75 | 12.79% |
| Net Interest Margin (%) | ▲ | 3.55% | +0.14 | 3.41% |
| Efficiency Ratio (%) | ▲ | 55.57% | -4.82 | 60.39% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.12 | $0 |
| Cost of Funds (%) | ▲ | 1.77% | -0.18 | 1.95% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $117 | +7.17 | $110 |
| Gross Loans ($M) | ▼ | $76 | -1.04 | $77 |
| Loan Growth YoY (%) | ▼ | 72.64% | -5.27 | 77.91% |
| Total Deposits ($M) | ▲ | $104 | +5.74 | $98 |
| Shareholders Equity ($M) | ▲ | $13 | +1.36 | $12 |
| Tang. Book Value ($M) | ▲ | $13 | +1.36 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +1.86 | $12 |
| Loan / Deposit Ratio (%) | ▼ | 72.64% | -5.27 | 77.91% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.01% | -0.03% | 1.03% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▆▇███ | Net Interest Margin (%) | 3.17% | 3.16% | 3.26% | 3.41% | 3.48% | 3.53% | 3.53% | 3.55% |
| ▂▁▄▅▅▄▆█ | Return on Assets (%) | 1.05% | 0.92% | 1.23% | 1.33% | 1.29% | 1.24% | 1.36% | 1.60% |
| ▆█▄▃▃▄▃▁ | Efficiency Ratio (%) | 66.0% | 69.7% | 61.6% | 60.4% | 60.2% | 61.6% | 60.6% | 55.6% |
| ██▆▄▄▄▁▁ | Cost of Funds (%) | 2.21% | 2.25% | 2.11% | 1.95% | 2.01% | 1.99% | 1.82% | 1.77% |
| ▁█▁▁▁▆▁▁ | NPA / Assets (%) | 0.01% | 0.06% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.00% |
| ▁█▁▁▁▆▁▁ | Net Charge-Off Ratio (%) | 0.01% | 0.09% | 0.00% | 0.00% | 0.00% | 0.06% | 0.00% | 0.00% |
| ▂▁▃▄▆▆██ | Tang. Book Value ($M) | $11 | $11 | $11 | $12 | $12 | $12 | $13 | $13 |
| ▅▁▄█▄▄▁▆ | Gross Loans ($M) | $76 | $74 | $75 | $77 | $76 | $76 | $74 | $76 |
| ▁▁▂▅▅▄██ | Total Deposits ($M) | $92 | $93 | $94 | $98 | $98 | $97 | $103 | $104 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 12% |
| Agricultural | 5% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 3% |