Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.67% | +0.35 | 1.32% |
| Return on Equity (%) | ▲ | 16.79% | +1.37 | 15.42% |
| Net Interest Margin (%) | ▲ | 3.70% | +0.64 | 3.06% |
| Efficiency Ratio (%) | ▲ | 51.72% | -4.82 | 56.54% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.28 | $1 |
| Cost of Funds (%) | ▲ | 1.67% | -0.15 | 1.82% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $283 | -12.96 | $296 |
| Gross Loans ($M) | ▲ | $208 | +13.97 | $194 |
| Loan Growth YoY (%) | ▲ | 84.58% | +12.33 | 72.24% |
| Total Deposits ($M) | ▼ | $243 | -22.53 | $266 |
| Shareholders Equity ($M) | ▲ | $30 | +4.51 | $25 |
| Tang. Book Value ($M) | ▲ | $30 | +4.51 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +4.50 | $28 |
| Loan / Deposit Ratio (%) | ▲ | 84.58% | +12.33 | 72.24% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.07% | +0.07 | 0.00% |
| Allowance / Loans (%) | — | 1.38% | 0.05% | 1.33% |
| Net Charge-Off Ratio (%) | ▼ | 0.09% | +0.09 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▁▂▃▇█ | Net Interest Margin (%) | 3.01% | 3.02% | 3.00% | 3.06% | 3.15% | 3.23% | 3.57% | 3.70% |
| ▁▁▃▄▄▄▇█ | Return on Assets (%) | 1.07% | 1.09% | 1.25% | 1.32% | 1.36% | 1.32% | 1.59% | 1.67% |
| ██▅▄▃▄▁▁ | Efficiency Ratio (%) | 62.9% | 62.8% | 58.5% | 56.5% | 55.8% | 56.1% | 53.0% | 51.7% |
| ▇▄▁▅█▄▁▁ | Cost of Funds (%) | 1.88% | 1.77% | 1.70% | 1.82% | 1.93% | 1.77% | 1.68% | 1.67% |
| ▁▁▁▁▁▁██ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.06% | 0.07% |
| ▁▁▁▁▁▁██ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.09% | 0.09% |
| ▁▁▂▃▅▆▇█ | Tang. Book Value ($M) | $23 | $23 | $24 | $25 | $27 | $28 | $28 | $30 |
| ▁▂▃▃▂▆▇█ | Gross Loans ($M) | $188 | $192 | $195 | $194 | $193 | $201 | $204 | $208 |
| ▁▂▇█▅▆█▄ | Total Deposits ($M) | $228 | $234 | $258 | $266 | $247 | $253 | $262 | $243 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 92% |
| C&I / Commercial | 7% |
| Agricultural | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 8% |