Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.76% | +0.70 | 1.06% |
| Return on Equity (%) | ▲ | 20.52% | +6.82 | 13.70% |
| Net Interest Margin (%) | ▲ | 4.47% | +0.68 | 3.79% |
| Efficiency Ratio (%) | ▲ | 51.29% | -13.97 | 65.26% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.48 | $1 |
| Cost of Funds (%) | ▲ | 1.67% | -0.27 | 1.95% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $218 | +10.90 | $207 |
| Gross Loans ($M) | ▲ | $150 | +8.54 | $142 |
| Loan Growth YoY (%) | ▲ | 74.66% | +1.05 | 73.60% |
| Total Deposits ($M) | ▲ | $199 | +8.65 | $190 |
| Shareholders Equity ($M) | ▲ | $19 | +2.25 | $16 |
| Tang. Book Value ($M) | ▲ | $19 | +2.25 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +2.35 | $19 |
| Loan / Deposit Ratio (%) | ▲ | 74.66% | +1.05 | 73.60% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.24% | -0.18 | 0.41% |
| Allowance / Loans (%) | — | 1.45% | -0.03% | 1.47% |
| Net Charge-Off Ratio (%) | ▲ | 0.35% | -0.26 | 0.60% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▃▄██ | Net Interest Margin (%) | 3.52% | 3.54% | 3.70% | 3.79% | 3.87% | 3.99% | 4.45% | 4.47% |
| ▁▁▁▂▃▄██ | Return on Assets (%) | 0.90% | 0.96% | 0.95% | 1.06% | 1.16% | 1.29% | 1.73% | 1.76% |
| ███▇▆▂▁▁ | Efficiency Ratio (%) | 68.7% | 66.7% | 67.7% | 65.3% | 62.6% | 53.4% | 51.1% | 51.3% |
| █▇▄▃▃▄▁▁ | Cost of Funds (%) | 2.45% | 2.27% | 2.04% | 1.95% | 1.97% | 1.98% | 1.71% | 1.67% |
| ▁▁▁██▄▁▂ | NPA / Assets (%) | 0.18% | 0.18% | 0.18% | 0.41% | 0.40% | 0.27% | 0.20% | 0.24% |
| ▁▁▁██▃▁▂ | Net Charge-Off Ratio (%) | 0.27% | 0.27% | 0.26% | 0.60% | 0.58% | 0.39% | 0.28% | 0.35% |
| ▂▁▁▃▆█▆█ | Tang. Book Value ($M) | $16 | $15 | $15 | $16 | $17 | $18 | $17 | $19 |
| ▂▁▁▄▄▆▇█ | Gross Loans ($M) | $137 | $134 | $136 | $142 | $142 | $146 | $146 | $150 |
| ▂▄▁▅▅▃▆█ | Total Deposits ($M) | $184 | $187 | $179 | $190 | $189 | $186 | $192 | $199 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 75% |
| C&I / Commercial | 17% |
| Agricultural | 2% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 14% |