Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.02% | +0.25 | 0.77% |
| Return on Equity (%) | ▲ | 14.43% | +1.76 | 12.67% |
| Net Interest Margin (%) | ▲ | 2.50% | +0.27 | 2.24% |
| Efficiency Ratio (%) | ▲ | 63.00% | -6.02 | 69.02% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.09 | $0 |
| Cost of Funds (%) | ▲ | 1.70% | -0.17 | 1.87% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $116 | +4.76 | $111 |
| Gross Loans ($M) | ▲ | $43 | +3.02 | $40 |
| Loan Growth YoY (%) | ▲ | 39.74% | +1.61 | 38.12% |
| Total Deposits ($M) | ▲ | $107 | +3.42 | $103 |
| Shareholders Equity ($M) | ▲ | $9 | +1.36 | $7 |
| Tang. Book Value ($M) | ▲ | $9 | +1.36 | $7 |
| TBV excl. AOCI ($M)** | ▲ | $12 | +1.50 | $11 |
| Loan / Deposit Ratio (%) | ▲ | 39.74% | +1.61 | 38.12% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.13% | +0.13 | 0.00% |
| Allowance / Loans (%) | — | 0.89% | -0.07% | 0.95% |
| Net Charge-Off Ratio (%) | ▼ | 0.34% | +0.34 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 30.21% | -1.14 | 31.36% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▃▄▅▇█ | Net Interest Margin (%) | 2.09% | 2.11% | 2.20% | 2.24% | 2.25% | 2.34% | 2.44% | 2.50% |
| ▁▁▁▂▃▄▇█ | Return on Assets (%) | 0.71% | 0.71% | 0.74% | 0.77% | 0.79% | 0.86% | 0.97% | 1.02% |
| ████▆▄▂▁ | Efficiency Ratio (%) | 69.6% | 69.6% | 69.6% | 69.0% | 67.8% | 66.2% | 64.0% | 63.0% |
| █▆▇█▄▆▁▂ | Cost of Funds (%) | 1.90% | 1.81% | 1.84% | 1.87% | 1.77% | 1.82% | 1.66% | 1.70% |
| ▁▁▁▁▁▁██ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.12% | 0.13% |
| ▁▁▁▁▁▁██ | Net Charge-Off Ratio (%) | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.35% | 0.34% |
| ▂▁▂▄▆▆▇█ | Tang. Book Value ($M) | $7 | $6 | $7 | $7 | $8 | $8 | $8 | $9 |
| ▁▂▄▁▅▃▅█ | Gross Loans ($M) | $39 | $40 | $41 | $40 | $41 | $41 | $41 | $43 |
| █▄▁▁█▂▇▄ | Total Deposits ($M) | $110 | $106 | $103 | $103 | $110 | $104 | $109 | $107 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 4% |
| Agricultural | 2% |
| Consumer | 9% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 15% |