Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.15% | +0.35 | 0.79% |
| Return on Equity (%) | ▲ | 16.22% | +2.13 | 14.09% |
| Net Interest Margin (%) | ▲ | 2.66% | +0.10 | 2.56% |
| Efficiency Ratio (%) | ▲ | 56.07% | -10.65 | 66.71% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.24 | $0 |
| Cost of Funds (%) | ▲ | 1.66% | -0.32 | 1.98% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $201 | +19.29 | $182 |
| Gross Loans ($M) | ▼ | $85 | -5.90 | $91 |
| Loan Growth YoY (%) | ▼ | 45.77% | -7.95 | 53.73% |
| Total Deposits ($M) | ▲ | $183 | +15.95 | $167 |
| Shareholders Equity ($M) | ▲ | $15 | +3.54 | $11 |
| Tang. Book Value ($M) | ▲ | $15 | +3.62 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +4.03 | $14 |
| Loan / Deposit Ratio (%) | ▼ | 45.77% | -7.95 | 53.73% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.46% | +0.46 | 0.00% |
| Allowance / Loans (%) | — | 1.11% | 0.14% | 0.96% |
| Net Charge-Off Ratio (%) | ▼ | 1.10% | +1.10 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 16.93% | +1.85 | 15.08% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▆████ | Net Interest Margin (%) | 2.31% | 2.28% | 2.46% | 2.56% | 2.61% | 2.61% | 2.61% | 2.66% |
| ▄▁▃▅▅▃▆█ | Return on Assets (%) | 0.71% | 0.44% | 0.70% | 0.79% | 0.81% | 0.69% | 0.96% | 1.15% |
| ▆█▄▃▃▄▂▁ | Efficiency Ratio (%) | 78.2% | 85.9% | 69.1% | 66.7% | 65.6% | 70.6% | 60.5% | 56.1% |
| ██▄▄▄▃▁▁ | Cost of Funds (%) | 2.38% | 2.38% | 1.98% | 1.98% | 1.96% | 1.89% | 1.71% | 1.66% |
| ▄▁▁▁▁▁▁█ | NPA / Assets (%) | 0.22% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.46% |
| ▄▁▁▁▁▁▁█ | Net Charge-Off Ratio (%) | 0.44% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.02% | 1.10% |
| ▃▁▁▃▆▇▆█ | Tang. Book Value ($M) | $11 | $9 | $10 | $11 | $13 | $13 | $13 | $15 |
| ▃▁▃▇█▅▂▂ | Gross Loans ($M) | $85 | $83 | $86 | $91 | $92 | $88 | $85 | $85 |
| ▁▂▅▄▅▆██ | Total Deposits ($M) | $157 | $162 | $171 | $167 | $172 | $174 | $181 | $183 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 60% |
| C&I / Commercial | 20% |
| Agricultural | 17% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 19% |