Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.28% | +0.26 | 2.02% |
| Return on Equity (%) | ▲ | 22.46% | +0.01 | 22.45% |
| Net Interest Margin (%) | ▲ | 4.43% | +0.20 | 4.23% |
| Efficiency Ratio (%) | ▲ | 49.36% | -0.20 | 49.55% |
| Pre-Provision Profit ($M) | ▲ | $3 | +0.12 | $2 |
| Cost of Funds (%) | ▲ | 1.08% | -0.05 | 1.13% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $455 | -4.16 | $459 |
| Gross Loans ($M) | ▲ | $326 | +9.66 | $316 |
| Loan Growth YoY (%) | ▲ | 80.52% | +3.53 | 77.00% |
| Total Deposits ($M) | ▼ | $398 | -6.03 | $404 |
| Shareholders Equity ($M) | ▲ | $48 | +7.66 | $40 |
| Tang. Book Value ($M) | ▲ | $45 | +7.68 | $38 |
| TBV excl. AOCI ($M)** | ▲ | $50 | +7.40 | $43 |
| Loan / Deposit Ratio (%) | ▲ | 80.52% | +3.53 | 77.00% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.01% | -0.01 | 0.02% |
| Allowance / Loans (%) | — | 1.58% | 0.03% | 1.55% |
| Net Charge-Off Ratio (%) | ▲ | 0.01% | -0.01 | 0.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▅██ | Net Interest Margin (%) | 4.08% | 4.11% | 4.23% | 4.23% | 4.29% | 4.31% | 4.44% | 4.43% |
| ▂▁▅▁▄▃█▅ | Return on Assets (%) | 2.10% | 2.03% | 2.25% | 2.02% | 2.20% | 2.17% | 2.47% | 2.28% |
| ▆█▂▅▂▅▁▅ | Efficiency Ratio (%) | 50.0% | 51.1% | 47.8% | 49.6% | 48.1% | 49.6% | 47.1% | 49.4% |
| █▆▁▄▅▂▁▃ | Cost of Funds (%) | 1.29% | 1.21% | 1.03% | 1.13% | 1.17% | 1.06% | 1.01% | 1.08% |
| ▁▁▄█▃▇▅▅ | NPA / Assets (%) | 0.00% | 0.00% | 0.01% | 0.02% | 0.01% | 0.01% | 0.01% | 0.01% |
| ▁▁▄█▃▇▅▅ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.01% | 0.02% | 0.01% | 0.02% | 0.01% | 0.01% |
| ▃▁▃▂▆▆██ | Tang. Book Value ($M) | $38 | $35 | $39 | $38 | $42 | $42 | $44 | $45 |
| ▁▂▃▇█▇▇█ | Gross Loans ($M) | $279 | $288 | $295 | $316 | $325 | $317 | $319 | $326 |
| ▁▄▅██▇█▇ | Total Deposits ($M) | $363 | $383 | $388 | $404 | $408 | $398 | $403 | $398 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 10% |
| Agricultural | 14% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 9% |