Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.80% | -0.19 | 1.99% |
| Return on Equity (%) | ▼ | 21.56% | -4.05 | 25.61% |
| Net Interest Margin (%) | ▲ | 4.47% | +0.28 | 4.20% |
| Efficiency Ratio (%) | ▼ | 61.97% | +7.17 | 54.80% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.32 | $1 |
| Cost of Funds (%) | ▲ | 1.50% | -0.36 | 1.86% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $269 | +9.96 | $259 |
| Gross Loans ($M) | ▲ | $205 | +9.68 | $196 |
| Loan Growth YoY (%) | ▲ | 86.39% | +0.02 | 86.37% |
| Total Deposits ($M) | ▲ | $235 | +11.00 | $224 |
| Shareholders Equity ($M) | ▲ | $22 | +1.35 | $21 |
| Tang. Book Value ($M) | ▲ | $22 | +1.35 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +1.15 | $23 |
| Loan / Deposit Ratio (%) | ▲ | 86.39% | +0.02 | 86.37% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.03% | -0.02 | 0.05% |
| Allowance / Loans (%) | — | 1.03% | 0.02% | 1.00% |
| Net Charge-Off Ratio (%) | ▲ | 0.05% | -0.02 | 0.07% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▇██ | Net Interest Margin (%) | 3.74% | 3.81% | 4.01% | 4.20% | 4.24% | 4.31% | 4.41% | 4.47% |
| ▃▄▁█▇▇▅▄ | Return on Assets (%) | 1.76% | 1.79% | 1.67% | 1.99% | 1.94% | 1.92% | 1.85% | 1.80% |
| ▂▃▃▁▂▄▆█ | Efficiency Ratio (%) | 56.4% | 57.1% | 57.3% | 54.8% | 56.3% | 57.5% | 59.3% | 62.0% |
| █▇▅▆▅▂▁▁ | Cost of Funds (%) | 2.06% | 1.95% | 1.81% | 1.86% | 1.79% | 1.62% | 1.57% | 1.50% |
| ▅█▆▂▂▂▃▁ | NPA / Assets (%) | 0.09% | 0.14% | 0.11% | 0.05% | 0.05% | 0.05% | 0.07% | 0.03% |
| ▅█▆▂▂▁▃▁ | Net Charge-Off Ratio (%) | 0.12% | 0.19% | 0.14% | 0.07% | 0.07% | 0.06% | 0.09% | 0.05% |
| ▃▁▃▆▇███ | Tang. Book Value ($M) | $20 | $18 | $20 | $21 | $22 | $22 | $22 | $22 |
| ▁▁▆▆▆▆▆█ | Gross Loans ($M) | $179 | $179 | $196 | $196 | $198 | $198 | $196 | $205 |
| ▁▁▆▅▅▃▆█ | Total Deposits ($M) | $215 | $213 | $227 | $224 | $225 | $220 | $229 | $235 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 10% |
| Agricultural | 5% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 5% |