Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.69% | +0.22 | 1.47% |
| Return on Equity (%) | ▲ | 15.57% | +2.25 | 13.32% |
| Net Interest Margin (%) | ▲ | 4.93% | +0.12 | 4.81% |
| Efficiency Ratio (%) | ▲ | 57.51% | -1.65 | 59.16% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.35 | $1 |
| Cost of Funds (%) | ▼ | 1.77% | +0.06 | 1.71% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $259 | +41.15 | $217 |
| Gross Loans ($M) | ▲ | $184 | +28.20 | $156 |
| Loan Growth YoY (%) | ▼ | 79.26% | -0.95 | 80.21% |
| Total Deposits ($M) | ▲ | $230 | +37.56 | $192 |
| Shareholders Equity ($M) | ▲ | $27 | +3.10 | $24 |
| Tang. Book Value ($M) | ▲ | $27 | +3.10 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +3.25 | $26 |
| Loan / Deposit Ratio (%) | ▼ | 79.26% | -0.95 | 80.21% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.11% | -0.04 | 0.14% |
| Allowance / Loans (%) | — | 1.01% | -0.02% | 1.02% |
| Net Charge-Off Ratio (%) | ▲ | 0.15% | -0.05 | 0.20% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▇████ | Net Interest Margin (%) | 4.41% | 4.44% | 4.70% | 4.81% | 4.90% | 4.94% | 4.93% | 4.93% |
| ▁▁▅▄▆▅▇█ | Return on Assets (%) | 1.34% | 1.33% | 1.55% | 1.47% | 1.57% | 1.52% | 1.62% | 1.69% |
| ▆█▁▅▁▂▆▂ | Efficiency Ratio (%) | 59.6% | 60.8% | 57.1% | 59.2% | 56.7% | 57.4% | 59.3% | 57.5% |
| ██▄▂▁▄▃▄ | Cost of Funds (%) | 1.92% | 1.95% | 1.78% | 1.71% | 1.65% | 1.77% | 1.73% | 1.77% |
| ▅▂▇▂▄▃█▁ | NPA / Assets (%) | 0.21% | 0.14% | 0.28% | 0.14% | 0.19% | 0.18% | 0.31% | 0.11% |
| ▅▂█▂▄▃█▁ | Net Charge-Off Ratio (%) | 0.31% | 0.20% | 0.40% | 0.20% | 0.27% | 0.25% | 0.42% | 0.15% |
| ▂▁▂▄▆▆▇█ | Tang. Book Value ($M) | $23 | $22 | $23 | $24 | $26 | $26 | $26 | $27 |
| ▁▁▃▃▄▆▇█ | Gross Loans ($M) | $141 | $141 | $152 | $156 | $162 | $168 | $177 | $184 |
| ▁▁▂▂▄▅▅█ | Total Deposits ($M) | $182 | $184 | $189 | $192 | $205 | $209 | $211 | $230 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 7% |
| Agricultural | 1% |
| Consumer | 6% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 51% |
| Brokered / Other | 25% |